Sun Life Assurance

Sun Life Assurance Company of Canada
SUN GIF SOLUTIONS

FUND FACTS
JUNE 2018
Life’s brighter under the sun

What if I change my mind?
You can change your mind about your investment in a fund within two business days of the earlier of the date you received
confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under
the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In
this case the right to cancel only applies to the new transaction.
You have to tell us in writing by email, fax or letter that you want to cancel. The amount returned will be the lesser of the amount
you invested or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will
include a refund of any fees you paid.
For more information
This summary may not contain all the information you need. Please read the information folder and contract and guarantee series
supplements.
Contact Sun Life Financial or your advisor for additional information.
Sun Life Financial
227 King Street South
Waterloo, Ontario
N2J 4C5
Toll Free: 1-844-753-4437 (1-844-SLF-GIFS)

Facsimilie: 1-855-247-6372
Email: gifs@sunlife.com
Website: sunlifegifs.ca
Page 2 of 212
Table of contents
Fund name
Sun GIF Solutions CI Cambridge Canadian Asset Allocation 5
Sun GIF Solutions CI Cambridge Canadian Equity 8
Sun GIF Solutions CI Cambridge Global Equity 11
Sun GIF Solutions CI Signature Diversified Yield II 14
Sun GIF Solutions CI Signature High Income 17
Sun GIF Solutions CI Signature Income & Growth 20
Sun GIF Solutions Daily Interest 23
Sun GIF Solutions Dollar Cost Average Daily Interest 25
Sun GIF Solutions Estate Settlement 28
Sun GIF Solutions Fidelity Floating Rate High Income 31
Sun GIF Solutions Fidelity Income Allocation 34
Sun GIF Solutions Fidelity Monthly Income 37
Sun GIF Solutions Fidelity NorthStar® 40
Sun GIF Solutions Fidelity True North® 43
Sun GIF Solutions Fiera Global Equity 46
Sun GIF Solutions Fiera US Equity 49
Sun GIF Solutions Franklin Global Growth 52
Sun GIF Solutions PH&N Short Term Bond and Mortgage 55
Sun GIF Solutions RBC Global High Yield Bond 58
Sun GIF Solutions RBC North American Value 61
Sun GIF Solutions Strategic Income 64
Sun GIF Solutions Sun Life BlackRock Canadian Balanced 67
Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity 70
Sun GIF Solutions Sun Life BlackRock Canadian Equity 73
Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond 76
Sun GIF Solutions Sun Life Dynamic American 79
Sun GIF Solutions Sun Life Dynamic Equity Income 82
Sun GIF Solutions Sun Life Dynamic Strategic Yield 85
Sun GIF Solutions Sun Life Excel Emerging Markets 88
Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity 91
Sun GIF Solutions Sun Life Granite Balanced 94
Sun GIF Solutions Sun Life Granite Balanced Growth 97
Sun GIF Solutions Sun Life Granite Conservative 100
Sun GIF Solutions Sun Life Granite Enhanced Income 103
Sun GIF Solutions Sun Life Granite Growth 106
Sun GIF Solutions Sun Life Granite Income 109
Sun GIF Solutions Sun Life Granite Moderate 112
Sun GIF Solutions Sun Life Infrastructure 115
Sun GIF Solutions Sun Life MFS Canadian Bond 118
Sun GIF Solutions Sun Life MFS Canadian Equity Growth 121
Sun GIF Solutions Sun Life MFS Dividend Income 124
Sun GIF Solutions Sun Life MFS Global Growth 127
Sun GIF Solutions Sun Life MFS Global Total Return 130
Sun GIF Solutions Sun Life MFS Global Value 133
Page 3 of 212
Table of contents (continued)
Fund name
Sun GIF Solutions Sun Life MFS International Growth 136
Sun GIF Solutions Sun Life MFS International Value 139
Sun GIF Solutions Sun Life MFS Low Volatility Global Equity 142
Sun GIF Solutions Sun Life MFS Low Volatility International Equity 145
Sun GIF Solutions Sun Life MFS Monthly Income 148
Sun GIF Solutions Sun Life MFS US Equity 151
Sun GIF Solutions Sun Life MFS US Growth 154
Sun GIF Solutions Sun Life MFS US Value 157
Sun GIF Solutions Sun Life Money Market 160
Sun GIF Solutions Sun Life Multi-Strategy Bond 163
Sun GIF Solutions Sun Life NWQ Flexible Income 166
Sun GIF Solutions Sun Life Schroder Global Mid Cap 169
Sun GIF Solutions Sun Life Sentry Value 172
Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity 175
Sun GIF Solutions Sun Life Templeton Global Bond 178
Sun GIF Solutions Sun Life Trimark Canadian 181
Sun GIF Solutions TD Canadian Bond 184
Sun GIF Solutions TD Dividend Income 187
Sun GIF Solutions TD Real Return Bond 190
Sun GIF Solutions Trimark 193
Additional information
Information specific to F class funds 196
Information specific to Private Client program – O class 200
Ratios & supplementary data – management fees 203
Ratios & supplementary data – insurance fees 205
Summary of the investment objectives of each fund 207
Page 4 of 212
Sun Life Assurance Company of Canada FUND FACTS
Sun GIF Solutions Sun GIF Solutions CI Cambridge Canadian Asset Allocation
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: CI Investments Inc.
Date series available: May 4, 2015 Underlying fund sub-advisor: N/A
Total value of the fund: $19,209,623 Portfolio turnover rate: 80%
Total value on: December 31, 2017
Management expense Net asset value per Number of units

Guarantee series Minimum investment ratio (MER) (%) unit outstanding
Investment Series $500.00 2.78 $10.6408 939,362.948
Estate Series $500.00 3.23 $10.5012 851,144.241
What does the fund invest in?
The fund invests in the Cambridge Canadian Asset Allocation Corporate Class (the "underlying fund"). This fund's objective is to achieve a superior
total investment return by investing, directly or indirectly, in a combination of primarily equity and fixed income securities of Canadian companies.
Indirect investments may include convertible securities, derivatives, equity-related securities and securities of other mutual funds.
The charts below give you a snapshot of the underlying fund's investments on December 31, 2017. The fund’s investments will change.
Top 10 investments (December 31, 2017) Investment mix (December 31, 2017)
1. Cambridge Bond Fund 29.5% Asset Mix
2. Cambridge Canadian Short Term Bond Fund 16.7% 20.7% Canadian Equity
3. Cambridge Premium Yield Pool 4.0%
39.5% Canadian Fixed Income
4. Walgreens Boots Alliance Inc 2.5%
18.3% U.S. Equity
5. Athene Holding 2.4%
6. Tourmaline Oil Corp 2.2% 6.0% U.S. Fixed Income
7. Canadian Natural Resources Ltd 2.1% 6.6% International Equity
8. Franco-Nevada Corp 1.9% 1.1% International Fixed Income
9. George Weston Limited 1.9% 7.9% Cash and Cash Equivalents
10. Praxair 1.7%
Total percentage of top 10 investments 64.9%
Total number of investments 234
How has the fund performed?

This section tells you how the fund has performed over the past 10 years for
an investor who chooses the basic guarantee. Returns are after the MER has 40%
been deducted. It's important to note that this doesn't tell you how the 30% 23.9
20% 18.6
fund will perform in the future. Also, your actual return will depend on the 13 10.2
guarantee option you choose and on your personal tax situation. 10% 3.5 4.1 6.2
1.7
0%
Year-by-year returns (%) -0.7
10%
This chart shows how units of the fund have performed in the past 10 years. 20%
-20
In the last 10 years the fund was up in value 8 years, and down in value 2 30%
years. 40%
The range of returns and change from year to year can help you assess how
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
risky the fund has been in the past. It does not tell you how the fund will
perform in the future.
Cambridge Canadian Asset Allocation Corporate Class
Sun GIF Solutions CI Cambridge Canadian Asset Allocation
Average return (%)

As at December 31, 2017, a person who invested $1,000 in the fund on May 4, 2015 now has $1,064. This works out to an annual compound return of
2.4%.
Page 5 of 212
June 4, 2018
How risky is it? In general, funds with higher volatility will have returns that change more
The value of the fund can go down as well as up. You could lose money. over time. They typically have a greater chance of losing money and have
a greater chance of higher returns. Funds with lower volatility tend to
One way to gauge risk is to look at how much a fund’s returns change have returns that change less over time. They typically have lower returns
over time. This is called “volatility”. and may have a lower chance of losing money.
Risk rating
Sun Life has rated the volatility of this fund as low-to-medium. This rating is based on how much the fund’s returns have changed from year to year.
It doesn’t tell you how volatile the fund will be in the future. The rating can change over time. A fund with a low risk rating can still lose money.
Low to Medium to
Low medium Medium High
high
For more information about the risk rating and specific risks that can affect the fund’s returns, see the “potential risks of investing” section of the
information folder.
Who is this fund for? Are there any guarantees?

This fund is for investors who: This fund is being offered under an insurance contract. It comes with
• Want to invest in a diversified portfolio of equity and fixed income guarantees that may protect your investments if the markets go down.
securities The MER includes a separate insurance fee that is charged for the
• Want active asset allocation among equity securities, fixed income guarantee. For details, please refer to the information folder and
securities and cash contract.
• Are investing for the medium term
• Can tolerate low to medium risk
Do not invest in this fund unless you are willing to accept the potential
loss of a portion of your investment or if you have a short-term
investment horizon.
How much does it cost?

The following tables show the fees and expenses you could pay to buy, own and sell units of the fund. The fees and expenses – including any
commissions – can vary among series of a fund and among funds. Higher commissions can influence advisors to recommend one investment over
another. Ask about other funds and investments that may be suitable for you at a lower cost.
Page 6 of 212
June 4, 2018
1. Sales charges
Sales charge option What you pay How it works
Front-end load (FEL) sales 0.0% to 5.0% of the purchase You and your advisor negotiate the fee, which may be up to 5% of the cost of the
charge price of the units you buy. units and you pay this fee to the distributor when you buy the units.
Deferred sales charge (DSC) If you withdraw during: • When you make a premium payment • This sales charge is a set rate. It is
Year 1 5.5% and purchase deferred sales charge deducted from the amount you
Year 2 5.0% units, Sun Life pays the distributor a redeem.
Year 3 5.0% commission of 5%. Any deferred sales • Each year you can redeem up to 10%
charge you pay goes to Sun Life. (20% for RRIF contracts) of the units
Year 4 4.0%
Year 5 4.0% • You do not pay a fee when you you held on December 31 of the
purchase deferred sales charge units. previous year plus 10% of the units
Year 6 3.0%
However, if you redeem units within you bought during the current year,
Year 7 2.0%
seven years of making a premium with no deferred sales charge.
After year 7 Nil payment and purchasing deferred • You can switch to units of other
sales charge units, you will pay a funds under the insurance contract
redemption fee that starts at up to at any time without paying a
5.5% of the original cost of the units deferred sales charge as long as you
and declines over time. do not change your sales charge
Low load (LL) sales charge If you withdraw during: • When you make a premium payment option. The deferred sales charge
and purchase low-load sales charge schedule will be based on the date
Year 1 3.0%
units, Sun Life pays the distributor a you bought your first fund.
Year 2 2.5%
Year 3 2.0% commission of 2.5%. Any deferred
sales charge you pay goes to Sun Life.
After year 3 Nil
• You do not pay a fee when you
purchase low load sales charge
units. However, if you redeem units
within three years of making a
premium payment and purchasing
low load sales charge units, you will
pay a redemption fee that starts at
up to 3% of the original cost of the
units and declines over time.
2. Ongoing fund expenses Guarantee series MER (%)

The MER includes the management fee and operating expenses of the fund. The MER Investment Series 2.78
includes the insurance cost of the guarantee. You do not pay the MER directly. It affects
you because it reduces the return you get. For details about how the guarantees work, Estate Series 3.23
see the information folder and contract.
Trailing commission
The trailing commission is an ongoing commission. It is paid for as long as you own the fund. It is for the services and advice that your advisor and
distributor provide to you.
Sun Life pays the trailing commission of up to 1% to your distributor. It is paid from the fund's management fee and is based on the value of your
investment. The rate depends on the sales option you choose.
3. Other fees
You may have to pay other fees when you purchase, switch and transition units of the fund.
Early withdrawal fee 2% of the value of the units you withdraw within 30 days of buying them.

You can change your mind about investing in this fund but you may have as little as two days to do so. Please see page 2 of this book for details.
This page also contains details on how to get more information. This Fund Facts is not complete without page 2.
Page 7 of 212
Sun GIF Solutions Sun GIF Solutions CI Cambridge Canadian Equity
June 4, 2018
Quick facts

Estate Series $500.00 3.45 $11.3583 300,446.408
The fund invests in the Cambridge Canadian Equity Corporate Class (the "underlying fund"). This fund’s objective is to achieve long-term capital
growth by investing, directly or indirectly, primarily in equity securities of Canadian companies. Indirect investments may include convertible
securities, derivatives, equity-related securities and securities of other mutual funds.
1. Walgreens Boots Alliance Inc 4.6% Asset Mix
2. Athene Holding 4.3% 37.3% Canadian Equity
3. Canadian Natural Resources Ltd 3.9%
31.9% U.S. Equity
4. Tourmaline Oil Corp 3.9%
11.9% International Equity
5. Franco-Nevada Corp 3.5%
6. George Weston Limited 3.5% 18.9% Cash and Cash Equivalents
7. Praxair 3.2%
8. Keyera Corp 3.1%
9. Exelon 3.1%
10. Alphabet Inc Class A 3.0%

been deducted. It's important to note that this doesn't tell you how the 30% 23.8 27.2
fund will perform in the future. Also, your actual return will depend on the 20% 16.7 14.2 15.3
12.5
guarantee option you choose and on your personal tax situation. 10% 3.2
0.6
0%
10%
In the last 10 years the fund was up in value 8 years, and down in value 2 30% -23.6
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Cambridge Canadian Equity Corporate Class
Sun GIF Solutions CI Cambridge Canadian Equity
Average return (%)

5.2%.
Page 8 of 212
June 4, 2018
Risk rating
Sun Life has rated the volatility of this fund as medium. This rating is based on how much the fund’s returns have changed from year to year. It
doesn’t tell you how volatile the fund will be in the future. The rating can change over time. A fund with a low risk rating can still lose money.
Low to Medium to
high
information folder.

• Want a core Canadian equity fund for your portfolio guarantees that may protect your investments if the markets go down.
The MER includes a separate insurance fee that is charged for the
• Are investing for the medium and/or long term
guarantee. For details, please refer to the information folder and
• Can tolerate medium risk contract.
investment horizon.

Page 9 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 10 of 212
Sun GIF Solutions Sun GIF Solutions CI Cambridge Global Equity
June 4, 2018
Quick facts

Estate Series $500.00 3.52 $11.2741 317,836.317
The fund invests in the Cambridge Global Equity Corporate Class (the "underlying fund"). This fund's objective is to achieve long-term capital
growth by investing, directly or indirectly, primarily in equity securities of companies located anywhere in the world. Indirect investments may
include convertible securities, derivatives, equity-related securities and securities of other mutual funds.
1. Athene Holding 5.3% Asset Mix
2. Walgreens Boots Alliance Inc 5.1% 9.5% Canadian Equity
3. Broadcom Ltd 3.4%
41.8% U.S. Equity
4. Middleby 3.4%
6. Exelon 3.3% 14.2% Cash and Cash Equivalents
7. Praxair 3.3%
8. Melrose Industries 3.2%
9. Symantec 3.2%
10. Tourmaline Oil Corp 3.1%

an investor who chooses the basic guarantee. Returns are after the MER has 40% 35.5
been deducted. It's important to note that this doesn't tell you how the 30%
20.7
fund will perform in the future. Also, your actual return will depend on the 20% 15.1
9.1 9.6 10.4
guarantee option you choose and on your personal tax situation. 10% 4.7 5.8
0%
Year-by-year returns (%) 10%
This chart shows how units of the fund have performed in the past 10 years. -12
20% -17.8
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Cambridge Global Equity Corporate Class
Sun GIF Solutions CI Cambridge Global Equity
Average return (%)

5.0%.
Page 11 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want a core foreign equity fund for your portfolio guarantees that may protect your investments if the markets go down.
• Are investing for the medium and/or long term
• Can tolerate medium risk contract.
investment horizon.

Page 12 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 13 of 212
Sun GIF Solutions Sun GIF Solutions CI Signature Diversified Yield II
June 4, 2018
Quick facts

Estate Series $500.00 3.02 $10.1992 298,297.760
The fund invests in the Signature Diversified Yield II Fund (the "underlying fund"). The fundamental investment objective of Signature Diversified
Yield II fund is to generate a high level of income through exposure to a portfolio of fixed income and high-yielding equity securities throughout
the world.
1. Wells Fargo & Co 2.3% Asset Mix
2. Williams Cos Inc 2.2% 9.5% Canadian Equity
3. Singapore Telecommunications Ltd 2.1%
4. Pembina Pipeline Corp 2.1%
22.9% U.S. Equity
5. Macquarie Infrastructure Corp 2.0%
6. Brookfield Asset Management Inc 1.8% 26.2% U.S. Fixed Income
7. Cheniere Energy 1.7% 21.5% International Equity
8. Sydney Airport 1.5% 9.9% International Fixed Income
9. Royal Dutch Shell PLC Class A 1.5% 3.9% Cash and Cash Equivalents
10. Ferrovial SA 1.4%

10.5
5% 4.3 3.4
guarantee option you choose and on your personal tax situation. 0.7
0%
years. 20%
2012
2013
2014
2015
2016
2017
Signature Diversified Yield II Fund
Sun GIF Solutions CI Signature Diversified Yield II
Average return (%)

1.1%.
Page 14 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to receive income and the potential for modest capital guarantees that may protect your investments if the markets go down.
appreciation The MER includes a separate insurance fee that is charged for the
• Are investing for the medium and/or long term guarantee. For details, please refer to the information folder and
contract.
• Can tolerate low to medium risk
investment horizon.

Page 15 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 16 of 212
Sun GIF Solutions Sun GIF Solutions CI Signature High Income
June 4, 2018
Quick facts

Estate Series $500.00 3.04 $10.0795 611,480.734
The fund invests in the Signature High Income Fund (the "underlying fund"). This fund's objective is to generate a high level of income and long-term
capital growth. It invests primarily in high-yielding equity securities and Canadian corporate bonds.
1. Singapore Telecommunications Ltd 2.4% Asset Mix
2. Wells Fargo & Co 2.3% 20.8% Canadian Equity
3. Williams Cos Inc 2.1%
4. Pembina Pipeline Corp 2.0%
20.9% U.S. Equity
5. Colony NorthStar 1.8%
6. Transurban Group 1.8% 23.0% U.S. Fixed Income
7. Brookfield Asset Management Inc 1.8% 14.9% International Equity
8. Cheniere Energy 1.7% 8.5% International Fixed Income
9. Royal Dutch Shell PLC Class A 1.5% 3.4% Cash and Cash Equivalents
10. Brookfield Office Pptys Exchange (Unit) 1.5%

30.6
11.6 8.6 8.6
guarantee option you choose and on your personal tax situation. 10% 4.8 5.4 2
0%
Year-by-year returns (%) -1
10%
-21.5
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Signature High Income Fund
Sun GIF Solutions CI Signature High Income
Average return (%)

0.7%.
Page 17 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to receive income guarantees that may protect your investments if the markets go down.
• Can tolerate low to medium risk contract.
investment horizon.

Page 18 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 19 of 212
Sun GIF Solutions Sun GIF Solutions CI Signature Income & Growth
June 4, 2018
Quick facts

Estate Series $500.00 3.10 $10.8985 581,161.077
The fund invests in the Signature Income & Growth Fund (the "underlying fund"). The fund seeks to provide a steady flow of current income while
preserving capital by investing in a diversified portfolio of securities composed mainly of equity, equity-related and fixed income securities of
Canadian issuers. The fund may also invest in foreign securities.
1. Bank of Nova Scotia 3.5% Asset Mix
2. Manulife Financial Corp 3.2% 34.8% Canadian Equity
3. Toronto-Dominion Bank 3.1%
4. SPDR Gold Shares 2.0%
19.0% U.S. Equity
5. Suncor Energy Inc 1.9%
6. Encana 1.7% 5.7% U.S. Fixed Income
7. Sony 1.6% 16.1% International Equity
8. Synchrony Financial 1.5% 2.8% International Fixed Income
9. Enbridge Inc 1.5% 6.0% Cash and Cash Equivalents
10. Canadian Imperial Bank of Commerce 1.5%

fund will perform in the future. Also, your actual return will depend on the 20% 14
10.3 9.3 9.3 7.6 9.5
guarantee option you choose and on your personal tax situation. 10%
0%
Year-by-year returns (%) 10% -3 -1.8
-21.2
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Signature Income & Growth Fund
Sun GIF Solutions CI Signature Income & Growth
Average return (%)

3.6%.
Page 20 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Are seeking a regular income guarantees that may protect your investments if the markets go down.
• Can tolerate low to medium risk contract.
investment horizon.

Page 21 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 22 of 212
Sun GIF Solutions Sun GIF Solutions Daily Interest
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Fund manager: Sun Life Assurance Company of Canada
Date series available: May 4, 2015 Fund sub-advisor: N/A

Estate Series $500.00 0.96 $10.0546 309,881.049
The investment objective of the fund is to provide investors with interest income.
The charts below give you a snapshot of the Fund's investments on December 31, 2017. The fund’s investments will change.
1. Cash 100.0% Asset Mix
Total percentage of top 10 investments 100.0% 100.0% Cash and Cash Equivalents

fund will perform in the future. Also, your actual return will depend on the 5%
0.2 0.4
0%
years. 10%
2016
2017
Average return (%)
0.2%.
Risk rating
Sun Life has rated the volatility of this fund as low. This rating is based on how much the fund’s returns have changed from year to year. It doesn’t
tell you how volatile the fund will be in the future. The rating can change over time. A fund with a low risk rating can still lose money.
Low to Medium to
high
information folder.
Page 23 of 212
Sun GIF Solutions Sun GIF Solutions Daily Interest
June 4, 2018

• Are conservative and income-oriented guarantees that may protect your investments if the markets go down.
• Have a shorter investment time horizon
• Are comfortable with low investment risk contract.
Do not invest in this fund if you have a longer term investment horizon,
a higher risk tolerance or are seeking capital appreciation from your
investment.

1. Sales charges
Front-end load (FEL) sales 0% of the purchase price of No front end load (FEL) sales charge can be charged on this fund. You and your
charge the units you buy. advisor negotiate the fee when you fund switch from this fund to units of other
funds available under your contract.
Deferred sales charge (DSC) No deferred sales charge (DSC) • No sales charge applies to premiums deposited to this fund. A fund switch
or low load (LL) sales charge is from units of this fund to units of another fund with a DSC or LL sales charge
Low load (LL) sales charge applicable to premiums will result in the applicable DSC or LL schedule applying to those units
deposited to this fund. acquired, and the date of the fund switch will be treated as the date of
You may pay a DSC or LL sales purchase of the units.
charge based on the original • If units of this fund are acquired as a result of a fund switch from units of
purchase date of units fund another fund with a DSC or LL sales charge option, the DSC or LL schedule
switched into or out of this which previously applied to the units switched will continue to apply to the
fund. For more information on units of this fund acquired. That schedule will continue to apply if those units
the original purchase date, refer are switched to another fund in the future.
to the How it works section. • You do not pay a fee when you buy units of this fund.

Trailing commission
Sun Life pays the trailing commission of up to 0.2% to your distributor. It is paid from the fund's management fee and is based on the value of your
3. Other fees

Page 24 of 212
Sun GIF Solutions Sun GIF Solutions Dollar Cost Average Daily Interest
June 4, 2018
Quick facts

Investment Series $5,000.00 0.89 $10.0624 530,192.872
Estate Series $5,000.00 0.94 $10.0476 560,234.894
The charts below give you a snapshot of the Fund's investments on December 31, 2017. The fund’s investments will change.

0.2 0.4
0%
years. 10%
2016
2017
Average return (%)
0.2%.
Risk rating
Low to Medium to
high
information folder.
Page 25 of 212
June 4, 2018

• Are comfortable with low investment risk
Do not invest in this fund unless you are willing to accept the potential contract.
investment horizon.

1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil
Page 26 of 212
June 4, 2018

Trailing commission
3. Other fees

Page 27 of 212
Sun GIF Solutions Sun GIF Solutions Estate Settlement
June 4, 2018
Quick facts

Investment Series N/A 0.85 $10.0607 28,938.339
Estate Series N/A 0.82 $10.2543 17,989.987
Income Series N/A 0.83 $10.0664 1,049.151
The charts below give you a snapshot of the fund's investments on December 31, 2017. The fund’s investments will change.

0.3 0.4
0%
years. 10%
2016
2017
Average return (%)
0.2%.
Page 28 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

investment.

1. Sales charges
Page 29 of 212
June 4, 2018

see the information folder and contract. Income Series 0.83
Trailing commission
3. Other fees

Page 30 of 212
Sun GIF Solutions Sun GIF Solutions Fidelity Floating Rate High Income
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: Fidelity Investments Canada ULC

Estate Series $500.00 2.58 $10.8017 69,900.782
The fund invests in the Fidelity Floating Rate High Income Fund (the "underlying fund"). A high yield offering that aims to provide a steady flow of
income. It primarily invests in the floating rate debt of non-investment-grade issuers located in the U.S. or whose debt is denominated in U.S.
dollars
1. Caesars Resort Term 1LN 12-2024 1.8% Asset Mix
2. Bass Pro Escrow TRM B 2024-09-25 1.1% 2.3% Canadian Fixed Income
3. Charter Comm Term B 2025-04-30 1.0%
83.1% U.S. Fixed Income
4. Intelsat Term B-3 2023-11-27 0.9%
8.8% International Fixed Income
5. Golden Nuggent term B 1LN 2023-10 0.9%
6. Laureate Edu Term B 1LN 04/24 0.9% 5.8% Cash and Cash Equivalents
7. Ortho-Clinical Diag TRM B 2021-06 0.8%
8. Restaurant Brands 2024-02-17 0.8%
9. Kronos Inc Term B 1LN 2023-11-01 0.7%
10. Albertsons Term B-4 2021-08-25 0.7%

5% 4.4
guarantee option you choose and on your personal tax situation.
0%
Year-by-year returns (%) 5% -4.3
In the last 10 years the fund was up in value 9 years, and down in value 1 year. 15%
The range of returns and change from year to year can help you assess how 20%
2014
2015
2016
2017

Fidelity Floating Rate High Income Fund
Sun GIF Solutions Fidelity Floating Rate High Income
Average return (%)

3.4%.
Page 31 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Plan to hold their investment for the long-term guarantees that may protect your investments if the markets go down.
• Want to gain exposure to floating rate securities
• Are seeking income from their investment contract.
investment horizon.

Page 32 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 33 of 212
Sun GIF Solutions Sun GIF Solutions Fidelity Income Allocation
June 4, 2018
Quick facts

Estate Series $500.00 3.09 $10.2511 419,003.045
The fund invests in the Fidelity Income Allocation Fund (the "underlying fund"). Fidelity Income Allocation fund offers exposure to multiple fixed
income asset classes and income-oriented equities and aims to provide investors with monthly yield and total return potential in a tactical asset
allocation fund.
1. Energy Select Sector SPDR ETF 3.1% Asset Mix
2. Canada Govt 5% 2037-06-01 1.3% 11.9% Canadian Equity
3. Canada Govt 1.25% 2020-02-01 1.1%
4. SPDR Gold Trust ETF 1.1%
14.0% U.S. Equity
5. Ontario Prov Cda 2.85% 2023-06-02 1.1%
6. Rogers Communications Inc Class B 1.0% 7.8% U.S. Fixed Income
7. TELUS Corp 0.8% 9.3% International Fixed Income
8. Canada Govt 1.25% 2047-12-01 0.8% 6.4% Cash and Cash Equivalents
9. Province of Alberta 2.35%, 2025-06-01 0.8%
10. BCE Inc 0.8%
Total number of investments 2,291

40% 39.1
an investor who chooses the basic guarantee. Returns are after the MER has
11.1 8.1 9.4
10% 7 5.4
guarantee option you choose and on your personal tax situation. 4.1 2.8 0.4
0%
-21.7
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017

Fidelity Income Allocation Fund
Sun GIF Solutions Fidelity Income Allocation
Average return (%)

1.3%.
Page 34 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to gain exposure to Canadian and foreign equity and fixed
income securities
contract.
• Want the potential for both income and capital gains
investment horizon.

Page 35 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 36 of 212
Sun GIF Solutions Sun GIF Solutions Fidelity Monthly Income
June 4, 2018
Quick facts

Estate Series $500.00 3.13 $10.4614 922,710.675
The fund invests in the Fidelity Monthly Income Fund (the "underlying fund"). Fidelity Monthly Income fund offers a unique combination of high
yielding equity and fixed-income securities, actively managed to aim to deliver a balance of income and growth.
1. Forward CC CAD 2018-2-5 25.3% Asset Mix
2. Conv Sec Investment TR -O 4.7% 25.0% Canadian Equity
3. SPDR Gold Trust ETF 2.6%
4. Rogers Communications Inc Class B 1.9%
12.1% U.S. Equity
5. TELUS Corp 1.6%
6. BCE Inc 1.3% 9.7% U.S. Fixed Income
7. TransCanada Corp 1.3% 14.2% International Fixed Income
8. Orbital ATK INC 1.1% 7.6% Cash and Cash Equivalents
9. Fairfax Financial Holdings Ltd 1.0%
10. Empire Co Ltd Class A 0.9%

30% 28.3
been deducted. It's important to note that this doesn't tell you how the
11.6 11.6
10% 6 6.9 7.9 6
guarantee option you choose and on your personal tax situation. 1.2 1.7
0%
This chart shows how units of the fund have performed in the past 10 years. 20% -19.2
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017

Fidelity Monthly Income Fund
Sun GIF Solutions Fidelity Monthly Income
Average return (%)

2.2%.
Page 37 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to gain exposure to both equity and fixed income securities
• Want the potential for both income and capital gains contract.
• Want the convenience of a diversified portfolio in a single fund
• Can handle the volatility of returns generally associated with equity
investments
investment horizon.

Page 38 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 39 of 212
Sun GIF Solutions Sun GIF Solutions Fidelity NorthStar®
June 4, 2018
Quick facts

The fund invests in the Fidelity NorthStar® Fund (the "underlying fund"). Fidelity NorthStar® fund has an open mandate to seek the best ideas
wherever they may lie, based on the convictions of veteran managers.
1. Anthem Inc 4.0% Asset Mix
2. Seria Co Ltd 3.1% 0.5% Canadian Equity
3. Ottogi Corp 2.8%
38.1% U.S. Equity
4. Gilead Sciences Inc 2.3%
5. Imperial Brands PLC 1.8%
6. Advanced Accelerator SPODR ADR 1.3% 10.0% International Fixed Income
7. NXP Semiconductors NV 1.3% 17.0% Cash and Cash Equivalents
8. Monsanto Co 1.3%
9. Orbital ATK INC 1.3%
10. Akorn Inc 1.2%

45.7
fund will perform in the future. Also, your actual return will depend on the 30% 24 24.6
15% 11.2 13.2
guarantee option you choose and on your personal tax situation. 7.8 3.2
0%
-2.8
-33.2
years. 60%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Fidelity NorthStar® Fund
Sun GIF Solutions Fidelity NorthStar®
Average return (%)

4.4%.
Page 40 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to gain global equity exposure
• Can handle the volatility of returns generally associated with equity contract.
investments
investment horizon.

Page 41 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

you because it reduces the return you get. For details about how the guarantees work,
Trailing commission
3. Other fees

Page 42 of 212
Sun GIF Solutions Sun GIF Solutions Fidelity True North®
June 4, 2018
Quick facts

Estate Series $500.00 3.54 $10.4360 217,331.063
The fund invests in the Fidelity True North® Fund (the "underlying fund"). Fidelity True North® fund delivers superior long-term growth potential
through its freedom to pursue opportunities throughout the Canadian market.
1. Toronto-Dominion Bank 8.6% Asset Mix
2. Canadian National Railway Co 4.3% 83.8% Canadian Equity
4. Royal Bank Of Canada 3.8%
9.6% U.S. Equity
5. Alimentation Couche-Tard Inc 3.8%
6. Rogers Communications Inc Class B 3.7% 6.4% Cash and Cash Equivalents
7. CGI Group Inc Class A 3.7%
8. Restaurant Brands International Inc 2.8%
9. Metro Inc 2.5%
10. Constellation Software Inc 2.4%

30.3
22.1
12.3
10% 8 8.8
0%
-2.1
years. 40% -34.6
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Fidelity True North® Fund
Sun GIF Solutions Fidelity True North®
Average return (%)

2.1%.
Page 43 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to gain Canadian equity exposure
• Can handle the volatility of returns generally associated with equity contract.
investments
investment horizon.

Page 44 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 45 of 212
Sun GIF Solutions Sun GIF Solutions Fiera Global Equity
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: Fiera Capital Corporation

Estate Series $500.00 3.61 $12.7924 175,642.399
The fund invests in the Fiera Global Equity Fund (the "underlying fund"). The objective of the fund is to achieve over the longer term the highest
possible return that is consistent with a fundamental investment philosophy through investment primarily in foreign equity securities and to
provide long-term capital appreciation through a portfolio of broadly diversified securities, by region and industry, invested primarily in the U.S. and
International markets.
1. Moody's Corp 5.4% Asset Mix
2. Keyence Corp 4.9% 57.8% U.S. Equity
3. MasterCard Inc Class A 4.2%
4. Johnson & Johnson 4.0%
0.4% Cash and Cash Equivalents
5. Becton Dickinson & Co 3.9%
6. Unilever 3.4%
7. Diageo 3.3%
8. Sherwin Williams 3.2%
9. Nestle SA 3.1%
10. Intertek 3.0%

40% 40.1
an investor who chooses the basic guarantee. Returns are after the MER has
19 19.8
fund will perform in the future. Also, your actual return will depend on the 20% 14.1 12.7
0%
10%
2010
2011
2012
2013
2014
2015
2016
2017

Fiera Global Equity Fund
Sun GIF Solutions Fiera Global Equity
Average return (%)

10.2%.
Page 46 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Are looking for a core global equity investment guarantees that may protect your investments if the markets go down.
• Have a medium to long term investment horizon
• Are comfortable with moderate investment risk contract.
investment horizon.

Page 47 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 48 of 212
Sun GIF Solutions Sun GIF Solutions Fiera US Equity
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: Fiera Capital Corporation
Total value of the fund: $472,227 Portfolio turnover rate: 0%

The fund invests in the Fiera US Equity Fund (the "underlying fund"). The objective of the fund is to achieve over the longer term the highest
possible return that is consistent with a fundamental investment philosophy through investment primarily in U.S. equity securities. To provide long-
term capital appreciation through a portfolio of broadly diversified securities, by industry, invested primarily in the U.S. market.
1. Moody's Corp 6.6% Asset Mix
2. Johnson & Johnson 5.3% 99.9% U.S. Equity
4. Becton Dickinson & Co 4.7%
5. UnitedHealth Group 4.2%
6. Sherwin Williams 4.2%
8. PepsiCo 4.0%
9. 3M Co 3.9%
10. U.S. Bancorp 3.9%

20% 18.4 15.5
fund will perform in the future. Also, your actual return will depend on the
0%
years. 40%
2014
2015
2016
2017
Fiera US Equity Fund
Sun GIF Solutions Fiera US Equity
Average return (%)

10.9%.
Page 49 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Are looking for a core US equity investment guarantees that may protect your investments if the markets go down.
• Have a medium to long term investment horizon
• Are comfortable with moderate investment risk contract.
investment horizon.

Page 50 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 51 of 212
Sun GIF Solutions Sun GIF Solutions Franklin Global Growth
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: Franklin Templeton Investments Corp.

The fund invests in the Franklin Global Growth Fund (the "underlying fund"). Long-term capital appreciation by investing primarily in equity securities
of growth companies with any market size capitalization, which are located throughout the world.
1. Visa Inc 3.1% Asset Mix
2. Umicore SA 3.1% 2.0% Canadian Equity
3. Verisk Analytics Inc 3.1%
44.6% U.S. Equity
4. DSV AS 3.1%
5. KBC Groep NV 3.0%
6. SGS Ltd 3.0% 3.1% Cash and Cash Equivalents
7. Lazard Ltd 3.0%
8. Koninklijke DSM NV 2.9%
9. Adobe Systems Inc 2.8%
10. St. James's Place Capital PLC 2.8%

11.6
0%
2012
2013
2014
2015
2016
2017

Franklin Global Growth Fund
Sun GIF Solutions Franklin Global Growth
Average return (%)

9.3%.
Page 52 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seeking a growth fund investing in high-growth potential companies guarantees that may protect your investments if the markets go down.
around the world The MER includes a separate insurance fee that is charged for the
• Planning to hold their investment for the medium to long term guarantee. For details, please refer to the information folder and
contract.
investment horizon.

Page 53 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 54 of 212
Sun GIF Solutions Sun GIF Solutions PH&N Short Term Bond and Mortgage
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: RBC Global Asset Management Inc.

Estate Series $500.00 2.35 $9.7366 98,847.720
The fund invests in the Phillips, Hager & North Short Term Bond & Mortgage Fund (the "underlying fund"). To provide relatively high yields and
stability of capital by investing primarily in a well-diversified portfolio of short-term fixed income securities issued by Canadian governments and
corporations, and first mortgages on property located in Canada.
1. Ontario Prov Cda 4.2% 2020-06-02 4.6% Asset Mix
2. Canada Hsg Tr No 1 2.40% 2022-12-15 3.9% 98.6% Canadian Fixed Income
3. Canada Govt 1.250% 2020-02-01 3.9%
4. Canada Hsg Tr No 1 1.25% 2020-12-15 3.6%
5. Canada Govt 1.750% 2023-03-01 3.3%
6. Canada Govt 1.25% 2019-11-01 3.2%
7. Canada Govt 1.000% 2022-09-01 3.1%
8. Canada Hsg Tr No 1 2.000% 2019-12-15 2.8%
9. Province of Alberta 1.250%, 2020-06-01 2.6%
10. Canada Hsg Tr No 1 1.25% 2021-06-15 2.6%

3.1 2.5
2% 1.6 1.7
guarantee option you choose and on your personal tax situation. 1
0%
-0.4
-1.5
years. 10%
2011
2012
2013
2014
2015
2016
2017
Phillips, Hager & North Short Term Bond & Mortgage Fund
Sun GIF Solutions PH&N Short Term Bond and Mortgage
Average return (%)

As at December 31, 2017, a person who invested $1,000 in the fund on May 4, 2015 now has $978. This works out to an annual compound return of
-0.8%.
Page 55 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Are seeking higher levels of current interest income compared to guarantees that may protect your investments if the markets go down.
money market fund investments The MER includes a separate insurance fee that is charged for the
• Are planning to hold the investment for the short-to-medium term guarantee. For details, please refer to the information folder and
contract.
investment.

Page 56 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 57 of 212
Sun GIF Solutions Sun GIF Solutions RBC Global High Yield Bond
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: RBC Global Asset Management (UK) Limited

Estate Series $500.00 2.37 $11.1125 301,121.439
The fund invests in the RBC Global High Yield Bond Fund (the "underlying fund"). The fund seeks to provide above average total returns and achieve
a yield advantage. To provide total returns comprised of interest income and capital growth. The fund invests primarily in higher yielding corporate
or government debt securities from anywhere around the world.
1. BlueBay Emerging Markets Corp Bond Fund 3.5% Asset Mix
2. iShares iBoxx $ High Yield Corporate Bond ETF 3.0% 2.7% Canadian Fixed Income
3. Bloomberg Barclays Capital High Yield Bond SPDR Fund 3.0%
4. Cash & Cash Equivalents 2.7%
5. iShares J.P. Morgan USD Emerging Markets Bond Fund 1.7%
6. US Treasury Note 2.250% 2027-02-15 1.6% 2.7% Cash and Cash Equivalents
7. Peruvian Government USD 8.750% 2033-11-21 1.5%
8. HCA Inc 5.875% 2026-02-15 1.1%
9. Dominican Republic 7.450% 2044-04-30 1.0%
10. Russia Fedn Ministry Fin 4.750% 2026-05-27 0.9%

11 10.4
10% 6.4 4.9 5.6
0%
Year-by-year returns (%) -0.3 -1
10%
-10.9
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
RBC Global High Yield Bond Fund
Sun GIF Solutions RBC Global High Yield Bond
Average return (%)

4.2%.
Page 58 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want the potential for above average fixed-income returns by guarantees that may protect your investments if the markets go down.
investing in lower-rated debt securities The MER includes a separate insurance fee that is charged for the
• Want exposure to higher yield debt securities to diversify the fixed- guarantee. For details, please refer to the information folder and
income portion of their overall portfolio contract.
• Are planning to hold their investment for the medium-to-long term
• Are comfortable with low to medium investment risk
investment horizon.

Page 59 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 60 of 212
Sun GIF Solutions Sun GIF Solutions RBC North American Value
June 4, 2018
Quick facts

Estate Series $500.00 3.52 $11.5143 184,445.019
The fund invests in the RBC North American Value Fund (the "underlying fund"). To provide long-term capital growth by investing primarily in equity
securities of Canadian and/or U.S. companies priced below their true value and offering long-term opportunities for growth.
1. Cash & Cash Equivalents 7.1% Asset Mix
2. Royal Bank Of Canada 3.9% 56.6% Canadian Equity
3. Bank of Nova Scotia 3.8%
34.7% U.S. Equity
5. Brookfield Asset Management Inc Class A 2.7%
6. Bank of Montreal 2.0% 7.1% Cash and Cash Equivalents
7. Alphabet Inc Class C Capital Stock 1.7%
8. Apple Inc 1.7%
9. Microsoft Corp 1.6%
10. Enbridge Inc Restricted April 7, 2018 1.5%

30% 28.7
been deducted. It's important to note that this doesn't tell you how the 23.1
11.8 11.3 10.1
0%
Year-by-year returns (%) -3.6 -0.2
10%
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
RBC North American Value Fund
Sun GIF Solutions RBC North American Value
Average return (%)

6.3%.
Page 61 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want potential for long-term growth from their investment guarantees that may protect your investments if the markets go down.
• Are looking for a value component for the equity portion of their
portfolio
contract.
• Are planning to hold their investment for the long term
investment horizon.

Page 62 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 63 of 212
Sun GIF Solutions Sun GIF Solutions Strategic Income
June 4, 2018
Quick facts

Income Series $25,000.00 2.79 $10.1402 12,898,648.855
This fund invests in underlying funds or directly in securities. The fund or underlying funds are primarily invested in government and corporate debt
securities, although the fund or underlying funds may also hold equities and alternative investment class assets. This fund seeks to preserve capital
and provide sustainable income.
The charts below give you a snapshot of the fund's investments on December 31, 2017. The fund’s investments will change.
1. Sun life Core Fixed Income Fund 62.4% Asset Mix
Canada Govt 5.00% 2037-06-01 91.0% Canadian Fixed Income
Canada Hsg Tr No 1 2.65% 2022-03-15
Quebec Prov Cda 6.25% 2032-06-01
Canada Govt 4.00% 2041-06-01
OCP 2014-6A A1R FRN 2030-10-17
Quebec Prov Cda 6.0% 2029-10-01
Province of British Columbia
Bank of Nova Scotia 4.5% 2025-12-16
Ontario Prov Cda 3.5% 2043-06-02
Canada Hsg Tr No 1 2.35% 2028-03-15
2. Sun Life Long Term Core Fixed Income Fund 30.0%
3. Sun Life Private Fixed Income Plus Fund 7.6%

1.7 2.5
0%
years. 10%
2016
2017
Average return (%)
0.5%.
Page 64 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek a moderate degree of income and potential for capital gains guarantees that may protect your investments if the markets go down.
• Are medium to long-term investors
investment horizon.

Page 65 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

The MER includes the management fee and operating expenses of the fund. The MER Income Series 2.79
Trailing commission
3. Other fees

Page 66 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life BlackRock Canadian Balanced
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: Sun Life Global Investments (Canada) Inc.
Date series available: May 4, 2015 Underlying fund sub-advisor: BlackRock Asset Management Canada
Total value of the fund: $10,415,049 Limited;
Total value on: December 31, 2017 BlackRock Institutional Trust Company, N.A.
Portfolio turnover rate: 18%

Estate Series $500.00 2.64 $10.6375 437,353.652
The fund invests in the Sun Life BlackRock Canadian Balanced Fund (the "underlying fund"). The fund’s investment objective is to seek a combination
of income and growth by investing primarily in Canadian equity securities and Canadian debt instruments directly or indirectly through mutual
funds and exchange-traded funds that invest in such securities. The fund may invest up to 45% in foreign securities directly or indirectly through
mutual funds that invest in such securities.
1. Sun Life BlackRock Canadian Composite Equity Fund, 42.0% Asset Mix
Series I
42.0% Canadian Equity
2. Sun Life BlackRock Canadian Universe Bond Fund, Series 23.5%
I 23.5% Canadian Fixed Income
3. iShares Core U.S. Aggregate Bond ETF 7.1% 18.1% International Equity
4. iShares Global Tech ETF 5.9%
5. iShares International Treasury Bond ETF 4.8%
6. iShares Global Healthcare ETF 4.2%
7. iShares Global Consumer Discretionary ETF 3.0%
8. iShares Global Consumer Staples ETF 2.6%
9. iShares J.P. Morgan USD Emerging Markets Bond Fund 2.0%
10. iShares iBoxx $ High Yield Corporate Bond ETF 1.9%

an investor who chooses the basic guarantee. Returns are after the MER has 10% 8.5 7.9 7.5
0%
-2.4
2012
2013
2014
2015
2016
2017

Sun Life BlackRock Canadian Balanced Fund
Sun GIF Solutions Sun Life BlackRock Canadian Balanced
Average return (%)

2.8%.
Page 67 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek a Canadian focused balanced fund with broad diversification guarantees that may protect your investments if the markets go down.
• Seek a moderate degree of growth and income
• Are medium to long-term investors contract.
investment horizon.

Page 68 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 69 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity
June 4, 2018
Quick facts

Estate Series $500.00 2.86 $10.4973 195,160.568
The fund invests in the Sun Life BlackRock Canadian Composite Equity Class (the "underlying fund"). The fund’s investment objective is to seek long-
term capital appreciation through exposure to primarily equity securities included in a broad and recognized Canadian equity market index that
includes primarily large and mid-market capitalization companies the securities of which are considered to be the most liquid in Canadian equity
markets by investing primarily in units of Sun Life BlackRock Canadian Composite Equity fund or its successor fund (the "underlying trust fund"). The
underlying fund information for the Top 10 investments, Investment mix and past performance sections below relate to the underlying trust fund.
1. Royal Bank Of Canada 6.5% Asset Mix
2. Toronto-Dominion Bank 6.0% 97.3% Canadian Equity
0.1% U.S. Equity
4. Enbridge Inc 3.6%
5. Canadian National Railway Co 3.4%
6. Suncor Energy Inc 3.4% 1.2% Cash and Cash Equivalents
7. Bank of Montreal 2.9%
8. BCE Inc 2.4%
10. TransCanada Corp 2.4%

0%
2014
2015
2016
2017

Sun Life BlackRock Canadian Composite Equity Class
Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity
Average return (%)

2.4%.
Page 70 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek to have exposure to a broad and recognized Canadian equity guarantees that may protect your investments if the markets go down.
market index The MER includes a separate insurance fee that is charged for the
• Are long term investors guarantee. For details, please refer to the information folder and
contract.
• Are comfortable with medium investment risk
investment horizon.

Page 71 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 72 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life BlackRock Canadian Equity
June 4, 2018
Quick facts

Estate Series $500.00 3.03 $11.0570 121,936.943
The fund invests in the Sun Life BlackRock Canadian Equity Class (the "underlying fund"). The fund’s investment objective is to seek capital
appreciation through exposure to primarily Canadian equity securities by investing primarily in units of Sun Life BlackRock Canadian Equity fund or
its successor fund (the "underlying trust fund"). The fund may invest up to 45% of the underlying trust fund's assets in foreign securities. The
underlying fund information for the Top 10 investments, Investment mix and past performance sections below relate to the underlying trust fund.
1. iShares Global Tech ETF 9.8% Asset Mix
2. iShares Global Healthcare ETF 7.0% 76.9% Canadian Equity
3. iShares S&P Global Consumer Discretionary Index ETF 5.3%
22.9% U.S. Equity
5. iShares Global Consumer Staples ETF 4.3%
7. iShares S&P Global Industrials Index ETF 3.3%

16.5
10.3 9.5
0%
2012
2013
2014
2015
2016
2017

Sun Life BlackRock Canadian Equity Class
Sun GIF Solutions Sun Life BlackRock Canadian Equity
Average return (%)

4.3%.
Page 73 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek a Canadian focused equity fund with broad sector diversification guarantees that may protect your investments if the markets go down.
• Are long-term investors
• Are comfortable with medium investment risk contract.
investment horizon.

Page 74 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 75 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond
June 4, 2018
Quick facts
Total value of the fund: $958,313 Limited;

Estate Series $500.00 2.05 $10.1059 37,768.498
The fund invests in the Sun Life BlackRock Universe Bond Fund (the "underlying fund"). The fund's investment objective is to provide income by
replicating, to the extent possible, the performance, net of fees, of a broad and recognized Canadian bond market index (the "Index"). The fund
invests directly in fixed income securities included in the Index and/or may achieve indirect exposure to some or all of the Index by investing in
exchange-traded funds, mutual funds or derivatives that are correlated to the performance of the Index.
1. Canada Govt 0.75% 2020-09-01 1.3% Asset Mix
2. Canada Govt 1.5% 2020-03-01 1.2% 99.9% Canadian Fixed Income
3. Canada Govt 4% 2041-06-01 1.1%
4. Canada Govt 3.5% 2045-12-01 1.1%
5. Ontario Prov Cda2.90% 2046-12-02 1.1%
6. Canada Govt 3.75% 2019-06-01 1.1%
7. Canada Govt 0.75% 2021-03-01 1.1%
8. Canada Govt 5% 2037-06-01 1.0%
9. Canada Govt 2.75% 2048-12-01 1.0%
10. Canada Govt 5.75% 2033-06-01 1.0%

0%
2%
2016
2017

Sun Life BlackRock Universe Bond Fund
Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond
Average return (%)

0.5%.
Page 76 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek to track the performance of a broad and recognized Canadian guarantees that may protect your investments if the markets go down.
bond market index The MER includes a separate insurance fee that is charged for the
• Are medium to long-term investors guarantee. For details, please refer to the information folder and
contract.
investment horizon.

Page 77 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 78 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Dynamic American
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: 1832 Asset Management L.P.

The fund invests in the Sun Life Dynamic American Fund (the "underlying fund"). The fund’s investment objective is to seek to achieve long-term
capital appreciation primarily by investing directly in equity securities of United States based businesses deemed to be undervalued relative to their
perceived worth or indirectly by investing in mutual funds (including exchange-traded funds) that invest in such securities. The underlying fund
information for the Top 10 investments, Investment mix and past performance sections below relate to the Dynamic American Fund.
1. Allstate Corp 6.5% Asset Mix
2. UnitedHealth Group 6.0% 99.9% U.S. Equity
3. Northrop Grumman Corp 6.0%
4. Texas Instruments Inc 5.6%
5. Zoetis Inc 5.5%
6. Cognex 5.5%
7. Amazon.com Inc 5.3%
8. JPMorgan Chase & Co 5.2%

This section tells you how the fund has performed over the past 10 years for 10.4
0%
years. 10%
2016
2017
Sun Life Dynamic American Fund
Sun GIF Solutions Sun Life Dynamic American
Average return (%)

9.6%.
Page 79 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek to add exposure to the capital growth potential of the equities guarantees that may protect your investments if the markets go down.
of US based businesses The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 80 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 81 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Dynamic Equity Income
June 4, 2018
Quick facts

Estate Series $500.00 3.13 $11.9104 428,561.266
The fund invests in the Sun Life Dynamic Equity Income Class (the "underlying fund"). The fund’s investment objective is to seek to achieve income
and long-term capital growth through exposure to primarily equity securities that pay a dividend or distribution by investing primarily in units of
Sun Life Dynamic Equity Income fund or its successor fund (the "underlying trust fund"). The underlying fund information for the Top 10
investments, Investment mix and past performance sections below relate to the Dynamic Equity Income Fund.
35.4% U.S. Equity
8. Canadian Pacific Railway Ltd 2.2%
9. Visa Inc 2.2%

10.1
0%
years. 20%
2014
2015
2016
2017
Sun Life Dynamic Equity Income Class
Sun GIF Solutions Sun Life Dynamic Equity Income
Average return (%)

7.3%.
Page 82 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek income and capital appreciation primarily through equities that guarantees that may protect your investments if the markets go down.
pay a dividend or distribution The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 83 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 84 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Dynamic Strategic Yield
June 4, 2018
Quick facts

Estate Series $500.00 2.95 $10.8205 273,843.145
The fund invests in the Sun Life Dynamic Strategic Yield Class (the "underlying fund"). The fund’s investment objective is to seek to achieve income
and long-term capital growth through exposure to primarily a diversified portfolio of fixed income and income-oriented equity securities by
investing primarily in units of Sun Life Dynamic Strategic Yield fund or its successor fund (the "underlying trust fund"). The underlying fund
information for the Top 10 investments, Investment mix and past performance sections below relate to the underlying trust fund.
2. Dynamic Total Return Bond Fund Series O 4.9% 24.2% Canadian Equity
3. Dynamic High Yield Bond Fund, Series O 2.5%
4. Dynamic Credit Spectrum Fund, Series O 2.5%
28.1% U.S. Equity
6. BCE Inc 1.7% 3.3% U.S. Fixed Income
7. Brookfield Asset Management Inc 1.6% 10.0% International Equity
8. Bank of Nova Scotia 1.6% 0.5% International Fixed Income
9. Fortis Inc 1.6% 12.7% Cash and Cash Equivalents

5% 4.8
0%
years. 10%
2014
2015
2016
2017
Sun Life Dynamic Strategic Yield Class
Sun GIF Solutions Sun Life Dynamic Strategic Yield
Average return (%)

3.5%.
Page 85 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek income and capital growth potential through investments in guarantees that may protect your investments if the markets go down.
both equities and fixed income securities The MER includes a separate insurance fee that is charged for the
• Are medium to long term investors guarantee. For details, please refer to the information folder and
contract.
investment horizon.

Page 86 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 87 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Excel Emerging Markets
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Schroder Investment Management North
Total value of the fund: $1,558,985 America Inc.;
Total value on: December 31, 2017 Schroder Investment Management North
America Limited

The fund invests in the Sun Life Excel Emerging Markets Fund (the "underlying fund"). The fund's investment objective is to seek capital appreciation
by investing primarily in equity securities of companies with a connection to emerging markets.
1. Tencent Holdings Ltd 7.1% Asset Mix
2. Samsung Electronics Co Ltd 7.1% 99.0% International Equity
3. Taiwan Semiconductor Manufacturing Co Ltd 5.2%
4. Alibaba Group Holding Ltd 5.1%
5. China Construction Bank Corp 3.5%
6. Sberbank of Russia ADR 2.7%
7. Lukoil PJSC 2.2%
8. AIA Group Ltd 2.0%
9. Naspers Ltd 1.9%
10. Hon Hai Precision Ind Co Ltd 1.8%

30% 28.7
2.1 2.1
0%
Year-by-year returns (%) 10% -7.1 -2.7
years. 40%
2012
2013
2014
2015
2016
2017
Sun Life Excel Emerging Markets Fund
Sun GIF Solutions Sun Life Excel Emerging Markets
Average return (%)

7.5%.
Page 88 of 212
June 4, 2018
Risk rating
Sun Life has rated the volatility of this fund as medium-to-high. This rating is based on how much the fund’s returns have changed from year to
year. It doesn’t tell you how volatile the fund will be in the future. The rating can change over time. A fund with a low risk rating can still lose
money.
Low to Medium to
high
information folder.

• Seek global geographic diversification with exposure to emerging guarantees that may protect your investments if the markets go down.
markets The MER includes a separate insurance fee that is charged for the
• Wish to gain emerging markets exposure using a balanced approach of guarantee. For details, please refer to the information folder and
stock selection and country allocation contract.
• Are comfortable with medium to high investment risk
investment horizon.

Page 89 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 90 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Franklin Bissett Investment Management, part
Total value of the fund: $4,826,495 of Franklin Templeton Investments Corp.
Total value on: December 31, 2017 Portfolio turnover rate: 81%

Estate Series $500.00 3.26 $11.0681 253,570.381
The fund invests in the Sun Life Franklin Bissett Canadian Equity Class (the "underlying fund"). The fund seeks to achieve long-term capital
appreciation primarily by investing directly in a diversified portfolio of mid to large capitalization Canadian equities or indirectly by investing in
mutual funds (including exchange-traded funds) that invest in such securities. The underlying fund information for the Top 10 investments,
Investment mix and past performance sections below relate to the Franklin Bissett Canadian Equity Fund.
1. Brookfield Asset Management Inc 6.7% Asset Mix
2. Canadian National Railway Co 5.5% 96.2% Canadian Equity
5. Restaurant Brands International Inc 4.7%
10. Cash 3.6%

5% 4.7
0%
years. 20%
2016
2017
Sun Life Franklin Bissett Canadian Equity Class
Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity
Average return (%)

4.2%.
Page 91 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek to add exposure to a core Canadian equity fund guarantees that may protect your investments if the markets go down.
• Are medium to long term investors
investment horizon.

Page 92 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 93 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Granite Balanced
June 4, 2018
Quick facts

Investment Series $500.00 2.55 $11.0436 7,140,209.885
Estate Series $500.00 2.90 $10.9329 11,321,323.614
The fund invests in the Sun Life Granite Balanced Portfolio (the "underlying fund"). The fund’s investment objective is to seek capital appreciation
and income, with a small bias towards capital appreciation, by investing primarily in a mix of equity and fixed income mutual funds.
1. PH&N Bond Fund, Series O 10.5% Asset Mix
2. iShares Core S&P 500 ETF 10.0% 17.8% Canadian Equity
I 21.9% Canadian Fixed Income
4. Sun Life Granite Tactical Completion Fund, Series I 8.3% 22.1% U.S. Equity
5. Sun Life MFS International Value Fund, Series I 7.4% 6.9% U.S. Fixed Income
6. Beutel Goodman Canadian Equity Fund, Class I 6.9% 22.7% International Equity
7. Sun Life BlackRock Canadian Composite Equity Fund, 5.7%
Series I
8. RBC Global High Yield Bond Fund, Series O 5.1% 1.1% Cash and Cash Equivalents
9. Sun Life MFS International Growth Fund, Series I 4.9%
10. Sun Life Ryan Labs U.S. Core Fixed Income Fund, Series I 4.3%

10% 9.4
fund will perform in the future. Also, your actual return will depend on the 6.6 7.2
5% 3.4
0%
years. 20%
2013
2014
2015
2016
2017
Sun Life Granite Balanced Portfolio
Sun GIF Solutions Sun Life Granite Balanced
Average return (%)

3.8%.
Page 94 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek capital appreciation and income, with a small bias towards capital guarantees that may protect your investments if the markets go down.
• Seek diversification through a broad range of asset classes, guarantee. For details, please refer to the information folder and
geographies, and investment styles contract.
investment horizon.

Page 95 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 96 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Granite Balanced Growth
June 4, 2018
Quick facts

Estate Series $500.00 2.95 $11.2409 3,416,135.482
The fund invests in the Sun Life Granite Balanced Growth Portfolio (the "underlying fund"). The fund's investment objective is to seek capital
appreciation and income, with a bias towards capital appreciation, by investing primarily in equity mutual funds and, to a lesser extent, fixed income
mutual funds.
1. iShares Core S&P 500 ETF 11.6% Asset Mix
2. Sun Life MFS International Value Fund, Series I 8.8% 20.9% Canadian Equity
3. Sun Life Granite Tactical Completion Fund, Series I 8.3%
4. Beutel Goodman Canadian Equity Fund, Class I 8.1%
25.2% U.S. Equity
5. PH&N Bond Fund, Series O 7.2%
6. Sun Life BlackRock Canadian Composite Equity Fund, 6.7% 4.4% U.S. Fixed Income
Series I 26.3% International Equity
I 1.1% Cash and Cash Equivalents
9. Sun Life MFS Canadian Equity Growth Fund, Series I 4.8%
10. Sun Life MFS U.S. Value Fund, Series I 4.2%

10.2
5% 3.6
0%
years. 20%
2013
2014
2015
2016
2017
Sun Life Granite Balanced Growth Portfolio
Sun GIF Solutions Sun Life Granite Balanced Growth
Average return (%)

4.8%.
Page 97 of 212
June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek capital appreciation and income, with a bias towards capital guarantees that may protect your investments if the markets go down.
• Seek diversification through a broad range of asset classes, guarantee. For details, please refer to the information folder and
geographies, and investment styles contract.
investment horizon.

Page 98 of 212
June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 99 of 212
Sun GIF Solutions Sun GIF Solutions Sun Life Granite Conservative
June 4, 2018
Quick facts

Estate Series $500.00 2.79 $10.5111 5,981,005.860
The fund invests in the Sun Life Granite Conservative Portfolio (the "underlying fund"). The fund's investment objective is to seek income and
capital appreciation, with a bias towards income, by investing primarily in fixed income mutual funds and, to a lesser extent, equity mutual funds.
2. Sun Life BlackRock Canadian Universe Bond Fund, Series 17.9% 8.0% Canadian Equity
I
3. Sun Life Granite Tactical Completion Fund, Series I 8.3% 44.1% Canadian Fixed Income
4. Sun Life Ryan Labs U.S. Core Fixed Income Fund, Series I 7.6% 12.3% U.S. Equity
5. RBC Global High Yield Bond Fund, Series O 7.4% 11.3% U.S. Fixed Income
6. iShares Core S&P 500 ETF 4.8% 12.2% International Equity
7. Sun Life MFS International Value Fund, Series I 3.8%
8. Templeton Global Bond Fund (Hedged), Series O 3.6%
9. Sun Life NWQ Flexible Income Fund, Series I 3.5%

7.6 7.2
5% 4.2 4.3
2% 1.7
0%
years. 10%
2013
2014
2015
2016
2017
Sun Life Granite Conservative Portfolio
Sun GIF Solutions Sun Life Granite Conservative
Average return (%)

2.1%.
Page 100 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek income and capital appreciation, with a bias towards income guarantees that may protect your investments if the markets go down.
• Seek diversification through a broad range of asset classes,
geographies, and investment styles
contract.
investment horizon.

Page 101 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 102 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Granite Enhanced Income
June 4, 2018
Quick facts

Estate Series $500.00 2.98 $10.4669 2,370,194.095
The fund invests in the Sun Life Granite Enhanced Income Portfolio (the "underlying fund"). The fund seeks to generate a consistent level of income
by investing primarily in a mix of income-focused fixed income and equity mutual funds (including exchange-traded funds), with an emphasis
towards higher yielding investments.
1. RBC Global High Yield Bond Fund, Series O 23.3% Asset Mix
2. Dynamic Equity Income Fund, Series O 13.6% 17.5% Canadian Equity
3. Guardian Global Dividend Growth Fund, Series I 12.9%
7.9% U.S. Equity
6. Sun Life Infrastructure Fund, Series I 5.4% 15.0% U.S. Fixed Income
7. iShares Core S&P 500 ETF 5.1% 28.9% International Equity
8. iShares iBoxx $ Investment Grade Corporate Bond ETF 4.8% 23.4% International Fixed Income
9. Sun Life Dynamic Energy Fund, Series I 4.6% 1.1% Cash and Cash Equivalents
10. Vanguard Global ex-U.S. Real Estate ETF 4.4%

5% 4.7
0%
2%
2014
2015
2016
2017

Sun Life Granite Enhanced Income Portfolio
Sun GIF Solutions Sun Life Granite Enhanced Income
Average return (%)

2.1%.
Page 103 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek regular income through monthly distributions guarantees that may protect your investments if the markets go down.
• Seek diversified sources of income in a single fund
• Seek diversification through exposure to a broad range of asset contract.
classes and geographies
investment horizon.

Page 104 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 105 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Granite Growth
June 4, 2018
Quick facts

Estate Series $500.00 2.96 $11.2986 2,253,350.803
The fund invests in the Sun Life Granite Growth Portfolio (the "underlying fund"). The fund's investment objective is to seek capital appreciation by
investing primarily in equity mutual funds and, to a lesser extent, fixed income mutual funds.
1. iShares Core S&P 500 ETF 13.2% Asset Mix
2. Sun Life MFS International Value Fund, Series I 10.1% 23.9% Canadian Equity
Sun Life BlackRock Canadian Composite Equity Fund, 28.2% U.S. Equity
5. 7.7%
Series I 1.9% U.S. Fixed Income
6. Sun Life MFS International Growth Fund, Series I 6.8% 30.3% International Equity
7. Sun Life MFS Canadian Equity Growth Fund, Series I 5.5%
8. Sun Life MFS U.S. Value Fund, Series I 4.9%
9. Sun Life MFS U.S. Growth Fund, Series I 3.9%
10. Sun Life Schroder Emerging Markets Fund, Series I 3.8%

11.1
10% 8.1 9
5% 4
0%
years. 20%
2013
2014
2015
2016
2017
Sun Life Granite Growth Portfolio
Sun GIF Solutions Sun Life Granite Growth
Average return (%)

5.1%.
Page 106 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek capital appreciation guarantees that may protect your investments if the markets go down.
contract.
• Are long term investors
investment horizon.

Page 107 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 108 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Granite Income
June 4, 2018
Quick facts

Estate Series $500.00 2.77 $10.4408 1,355,398.899
The fund invests in the Sun Life Granite Income Portfolio (the "underlying fund"). The fund seeks to generate a consistent level of income by
investing primarily in a mix of income-focused fixed income and equity mutual funds (including exchange-traded funds).
1. Sun Life MFS Canadian Bond Fund, Series I 24.7% Asset Mix
2. Dynamic Equity Income Fund, Series O 12.4% 12.0% Canadian Equity
3. Guardian Global Dividend Growth Fund, Series I 10.2%
6.3% U.S. Equity
5. RBC Global High Yield Bond Fund, Series O 9.9%
6. Sun Life Granite Tactical Completion Fund, Series I 8.4% 16.5% U.S. Fixed Income
7. iShares iBoxx $ Investment Grade Corporate Bond ETF 6.3% 26.0% International Equity
8. Sun Life Infrastructure Fund, Series I 5.6% 10.0% International Fixed Income
9. Vanguard Global ex-U.S. Real Estate ETF 4.2% 1.1% Cash and Cash Equivalents
10. iShares Core S&P 500 ETF 3.5%

10.2
5
3.1
0%
years. 10%
2014
2015
2016
2017
Sun Life Granite Income Portfolio
Sun GIF Solutions Sun Life Granite Income
Average return (%)

1.8%.
Page 109 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek regular income through monthly distributions guarantees that may protect your investments if the markets go down.
• Seek diversification through exposure to a broad range of asset contract.
classes and geographies
investment horizon.

Page 110 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 111 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Granite Moderate
June 4, 2018
Quick facts

Estate Series $500.00 2.85 $10.9275 4,163,596.123
The fund invests in the Sun Life Granite Moderate Portfolio (the "underlying fund"). The fund's investment objective is to seek income and capital
appreciation by investing primarily in a mix of fixed income and equity mutual funds.
2. Sun Life BlackRock Canadian Universe Bond Fund, Series 11.1% 14.3% Canadian Equity
I
3. Sun Life Granite Tactical Completion Fund, Series I 8.3% 28.4% Canadian Fixed Income
4. iShares Core S&P 500 ETF 8.1% 18.7% U.S. Equity
5. RBC Global High Yield Bond Fund, Series O 6.8% 8.6% U.S. Fixed Income
6. Sun Life MFS International Value Fund, Series I 6.2% 19.4% International Equity
7. Sun Life Ryan Labs U.S. Core Fixed Income Fund, Series I 5.7%
9. Sun Life BlackRock Canadian Composite Equity Fund, 4.6%
Series I

5.7 6.2
0%
years. 20%
2013
2014
2015
2016
2017
Sun Life Granite Moderate Portfolio
Sun GIF Solutions Sun Life Granite Moderate
Average return (%)

3.6%.
Page 112 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek income and capital appreciation guarantees that may protect your investments if the markets go down.
contract.
investment horizon.

Page 113 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 114 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Infrastructure
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Lazard Asset Management (Canada) Inc.:
Total value of the fund: $7,334,248 Lazard Asset Management LLC

Estate Series $500.00 3.47 $10.3893 385,499.796
The fund invests in the Sun Life Infrastructure Fund (the "underlying fund"). The fund seeks to provide regular current income primarily by investing
directly in global companies with either direct or indirect exposure to infrastructure or indirectly by investing in mutual funds (including exchange-
traded funds) that invest in such securities.
2. Norfolk Southern Corp 8.5% 17.7% U.S. Equity
3. Snam SpA 7.6%
4. Atlantia Spa 7.4%
5. Terna Rete Elettrica Nazionale SpA 7.1%
6. Enagas SA 6.8%
7. National Grid PLC 6.5%
8. PG&E Corp 6.5%
9. United Utilities Group PLC 5.5%
10. Red Electrica Corp SA 5.3%

0%
years. 10%
2016
2017
Sun Life Infrastructure Fund
Sun GIF Solutions Sun Life Infrastructure
Average return (%)

1.9%.
Page 115 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek a balance of current income and the potential for long-term guarantees that may protect your investments if the markets go down.
capital appreciation The MER includes a separate insurance fee that is charged for the
• Seek to add global hard asset diversification guarantee. For details, please refer to the information folder and
contract.
investment horizon.

Page 116 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 117 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Canadian Bond
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: MFS Investment Management Canada
Total value on: December 31, 2017 MFS Institutional Advisors, Inc.

Estate Series $500.00 2.22 $10.2414 404,257.598
The fund invests in the Sun Life MFS Canadian Bond Fund (the "underlying fund"). The fund aims to provide investors with high investment returns
primarily through income, with reasonable safety of capital. The fund may invest up to 30% of the fund's assets in foreign debt instruments.
1. Ontario Prov Cda 4% 2021-06-02 5.3% Asset Mix
2. Canada Govt 0.50% 2022-03-01 4.0% 72.1% Canadian Fixed Income
3. Ontario Prov Cda 4.7% 2037-06-02 3.8%
4. Canada Govt 2.50% 2024-06-01 3.8%
5. Province of Alberta 3.45% 2043-12-01 3.8%
6. Canada Govt 5.75% 2033-06-01 3.1% 0.8% Cash and Cash Equivalents
7. Province of Alberta, 4.00%, 2019-12-01 2.7%
8. Province of British Columbia,3.25% 2021-12-18 2.6%
9. Province Of Ontario 3.15% 2022-06-02 2.2%
10. Toronto Dominion Bank 3.23% 2024-07-24 2.2%

7.6
2% 1.9 1.3
guarantee option you choose and on your personal tax situation. 1
0%
2010
2011
2012
2013
2014
2015
2016
2017

Sun Life MFS Canadian Bond Fund
Sun GIF Solutions Sun Life MFS Canadian Bond
Average return (%)

1.1%.
Page 118 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

investment horizon.

Page 119 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 120 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Canadian Equity Growth
June 4, 2018
Quick facts

Estate Series $500.00 3.04 $11.0930 86,490.096
The fund invests in the Sun Life MFS Canadian Equity Growth Fund (the "underlying fund"). The fund aims for long-term capital growth primarily by
investing in Canadian growth equity securities. The fund may invest in global equity securities or other mutual funds. The fund may invest up to
40% of the fund's assets in non-Canadian securities.
10.5% U.S. Equity
6. Enbridge Inc 3.7% 1.9% Cash and Cash Equivalents
7. Manulife Financial Corp 2.9%
10. Canadian Natural Resources Ltd 2.7%

20.6
10.8 11.1 9.9
10% 8.9
fund will perform in the future. Also, your actual return will depend on the 7
0%
The range of returns and change from year to year can help you assess how 20% -19.2
2010
2011
2012
2013
2014
2015
2016
2017

Sun Life MFS Canadian Equity Growth Fund
Sun GIF Solutions Sun Life MFS Canadian Equity Growth
Average return (%)

4.5%.
Page 121 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to add exposure to Canadian equities with growth guarantees that may protect your investments if the markets go down.
characteristics to their investment portfolio The MER includes a separate insurance fee that is charged for the
• Are long-term investors guarantee. For details, please refer to the information folder and
contract.
• Are comfortable with medium risk
investment horizon.

Page 122 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 123 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Dividend Income
June 4, 2018
Quick facts

Estate Series $500.00 3.21 $10.4201 762,873.099
The fund invests in the Sun Life MFS Dividend Income Class (the "underlying fund"). The fund’s investment objective is to seek income generation
and capital appreciation through exposure to primarily dividend or income paying securities, including royalty trust units, real-estate investment
trust units and limited partnership units and other exchange-listed participating securities, by investing primarily in units of Sun Life MFS Dividend
Income fund or its successor fund (the "underlying trust fund"). The underlying fund information for the Top 10 investments, Investment mix and
past performance sections below relate to the underlying trust fund.
1. Toronto-Dominion Bank 7.1% Asset Mix
6.8% U.S. Equity
6. Manulife Financial Corp 3.0% 1.6% Cash and Cash Equivalents
7. Thomson Reuters Corp 2.9%
10. Agrium Inc 2.8%

15.8 15.6
10% 8.9 8.6
fund will perform in the future. Also, your actual return will depend on the 5.9
guarantee option you choose and on your personal tax situation. 5% 2
0%
2010
2011
2012
2013
2014
2015
2016
2017

Sun Life MFS Dividend Income Class
Sun GIF Solutions Sun Life MFS Dividend Income
Average return (%)

2.0%.
Page 124 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek a moderate degree of growth and income guarantees that may protect your investments if the markets go down.
• Are comfortable with medium risk contract.
investment horizon.

Page 125 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 126 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Global Growth
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: MFS Institutional Advisors, Inc.

Estate Series $500.00 3.45 $12.4718 250,405.803
The fund invests in the Sun Life MFS Global Growth Fund (the "underlying fund"). The fund's investment objective is to seek capital appreciation by
investing primarily in equity securities of issuers located anywhere in the world that are considered to have above-average earnings growth
potential compared to other issuers.
1. Alphabet Inc Class A 3.7% Asset Mix
2. Accenture PLC Class A 2.6% 0.6% Canadian Equity
3. NIKE Inc 2.3%
51.3% U.S. Equity
5. Nestle SA 2.1%
6. Starbucks Corp 2.1% 47.0% International Equity
8. Reckitt Benckiser Group PLC 1.9%
9. The Estee Lauder Companies Inc 1.9%
10. Thermo Fisher Scientific Inc 1.8%

30% 28.1
11.8
0%
10% -5.1
years. 40%
2011
2012
2013
2014
2015
2016
2017
Sun Life MFS Global Growth Fund
Sun GIF Solutions Sun Life MFS Global Growth
Average return (%)

9.3%.
Page 127 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to add global equity diversification with growth characteristics guarantees that may protect your investments if the markets go down.
to their investment portfolio The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 128 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 129 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Global Total Return
June 4, 2018
Quick facts

Estate Series $500.00 2.97 $11.2257 5,060,243.592
The fund invests in the Sun Life MFS Global Total Return Fund (the "underlying fund"). The fund's investment objective is to seek total return by
investing primarily in a mix of equity securities and debt instruments of issuers located anywhere in the world.
1. Canada T-Bill 2018-02-22 5.5% Asset Mix
2. Philip Morris International Inc 1.4% 2.0% Canadian Equity
3. Taiwan Semiconductor Manufacturing Co Ltd ADR 1.4%
4. Italy Buoni Poliennali Del Tesoro 2.50% 2024-12-01 1.2%
26.9% U.S. Equity
5. Nestle SA 1.1%
6. JPMorgan Chase & Co 1.0% 12.8% U.S. Fixed Income
7. Johnson & Johnson 1.0% 29.7% International Equity
8. Japan(Govt Of) 1.5% 2034-03-20 0.9% 16.4% International Fixed Income
9. Accenture PLC Class A 0.9% 10.9% Cash and Cash Equivalents
10. Japan(Govt Of) 2.2% 2027-09-20 0.9%

20.4
9.8 9.6
0%
years. 20%
2011
2012
2013
2014
2015
2016
2017
Sun Life MFS Global Total Return Fund
Sun GIF Solutions Sun Life MFS Global Total Return
Average return (%)

4.8%.
Page 130 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek a moderate degree of growth and income guarantees that may protect your investments if the markets go down.
• Want to add global diversification to their investment portfolio
• Are medium to long-term investors contract.
investment horizon.

Page 131 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 132 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Global Value
June 4, 2018
Quick facts

Estate Series $500.00 3.25 $12.3239 818,466.941
The fund invests in the Sun Life MFS Global Value Fund (the "underlying fund"). The fund's investment objective is to seek capital appreciation by
investing primarily in equity securities of issuers located anywhere in the world that are considered to be undervalued compared to their perceived
worth.
1. JPMorgan Chase & Co 2.7% Asset Mix
2. Nestle SA 2.6% 2.5% Canadian Equity
3. Johnson & Johnson 2.6%
4. Accenture PLC Class A 2.4%
47.8% U.S. Equity
5. Philip Morris International Inc 2.1%
6. Texas Instruments Inc 1.9% 47.6% International Equity
7. Wells Fargo & Co 1.9% 0.1% Cash and Cash Equivalents
8. Honeywell International Inc 1.9%
9. Lockheed Martin Corp 1.7%
10. Kao Corp 1.7%

20% 19.3
fund will perform in the future. Also, your actual return will depend on the 11.2 12.6 10.7
1.2 2.2
0%
years. 40%
2011
2012
2013
2014
2015
2016
2017
Sun Life MFS Global Value Fund
Sun GIF Solutions Sun Life MFS Global Value
Average return (%)

8.7%.
Page 133 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to add global equity diversification with value characteristics to guarantees that may protect your investments if the markets go down.
their investment portfolio The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 134 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 135 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS International Growth
June 4, 2018
Quick facts

Estate Series $500.00 3.28 $11.8872 306,604.392
The fund invests in the Sun Life MFS International Growth Fund (the "underlying fund"). The fund's investment objective is to seek capital
appreciation by investing primarily in equity securities of issuers outside of Canada and the U.S. that are considered to have above-average earnings
growth potential compared to other issuers.
1. Nestle SA 3.9% Asset Mix
2. Roche Holding AG 3.3% 1.0% Canadian Equity
3. AIA Group Ltd 3.1%
0.4% U.S. Equity
6. Pernod Ricard SA 2.8% 97.4% International Equity
7. SAP AG 2.7%
8. L'Oreal SA 2.5%
9. Alibaba Group Holding Ltd 2.5%
10. LVMH Moet Hennessy Louis Vuitton SA 2.4%

18.9 18.8 22
0.9
0%
Year-by-year returns (%) 10% -9.4 -4.2
years. 40%
2011
2012
2013
2014
2015
2016
2017
Sun Life MFS International Growth Fund
Sun GIF Solutions Sun Life MFS International Growth
Average return (%)

7.3%.
Page 136 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek geographic equity diversification outside of Canada and the US guarantees that may protect your investments if the markets go down.
(international equities) with growth characteristics The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 137 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 138 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS International Value
June 4, 2018
Quick facts

Estate Series $500.00 3.21 $12.3039 872,127.953
The fund invests in the Sun Life MFS International Value Fund (the "underlying fund"). The fund's investment objective is to seek capital appreciation
by investing primarily in equity securities of issuers located outside of Canada and the U.S. that are considered to be undervalued compared to
their perceived worth.
1. Nestle SA 4.3% Asset Mix
2. Canada T-Bill 2018-02-22 2.1% 0.9% Canadian Equity
3. Danone 2.7%
8.3% U.S. Equity
6. Givaudan SA 2.4% 87.4% International Equity
7. Pernod Ricard SA 2.4% 0.1% Cash and Cash Equivalents
8. Kao Corp 2.3%
9. Henkel AG & Co KGaA 2.2%
10. Amadeus IT Holding SA 2.2%

10.1 8.4
0%
10%
years. 40%
2011
2012
2013
2014
2015
2016
2017
Sun Life MFS International Value Fund
Sun GIF Solutions Sun Life MFS International Value
Average return (%)

8.6%.
Page 139 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek geographic equity diversification outside of Canada and the US guarantees that may protect your investments if the markets go down.
(international equities) with value characteristics The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 140 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 141 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Low Volatility Global Equity
June 4, 2018
Quick facts

Estate Series $500.00 3.12 $11.2141 32,744.308
The fund invests in the Sun Life MFS Low Volatility Global Equity Fund (the "underlying fund"). The fund’s investment objective is to achieve long-
term capital appreciation with low volatility by investing primarily in a diversified portfolio of equity securities of issuers located anywhere in the
world or indirectly by investing in mutual funds (including exchange-traded funds) that invest primarily in such securities.
1. Johnson & Johnson 2.9% Asset Mix
2. Taiwan Semiconductor Manufacturing Co Ltd 2.9% 9.9% Canadian Equity
3. Terumo Corp 2.4%
44.8% U.S. Equity
4. Roche Holding AG 2.3%
5. Ross Stores Inc 2.2%
6. Fisher & Paykel Healthcare Corp Ltd 2.0% 0.7% Cash and Cash Equivalents
7. ABC-Mart Inc 2.0%
8. McDonald's Corp 2.0%
9. Lockheed Martin Corp 1.9%
10. Nice Systems Ltd 1.8%

0%
years. 10%
2017
Sun Life MFS Low Volatility Global Equity Fund
Sun GIF Solutions Sun Life MFS Low Volatility Global Equity
Average return (%)

7.5%.
Page 142 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek to add global geographic diversification with a focus towards guarantees that may protect your investments if the markets go down.
lowering portfolio volatility The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 143 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 144 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Low Volatility International Equity
June 4, 2018
Quick facts

Estate Series $500.00 3.33 $10.8637 2,364.528
The fund invests in the Sun Life MFS Low Volatility International Equity Fund (the "underlying fund"). The fund’s investment objective is to seek
long-term capital appreciation with low volatility by investing primarily in a diversified portfolio of equity securities of issuers outside Canada and
the United States or indirectly by investing in mutual funds (including exchange-traded funds) that primarily invest in such securities.
1. Enel SpA 3.2% Asset Mix
2. Nestle SA 3.1% 99.5% International Equity
3. Novartis AG 2.6%
4. Roche Holding AG 2.5%
6. ABC-Mart Inc 2.4%
7. Vodafone Group PLC 2.3%
8. Terumo Corp 2.2%
9. Fisher & Paykel Healthcare Corp Ltd 2.0%
10. Jyske Bank A/S 2.0%

11.1
0%
years. 20%
2017
Sun Life MFS Low Volatility International Equity Fund
Sun GIF Solutions Sun Life MFS Low Volatility International Equity
Average return (%)

5.7%.
Page 145 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Seek to add international geographic diversification with a focus guarantees that may protect your investments if the markets go down.
towards lowering portfolio volatility The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 146 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 147 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS Monthly Income
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: MFS Investment Management Canada Limited

Estate Series $500.00 2.78 $10.4514 283,907.826
The fund invests in the Sun Life MFS Monthly Income Fund (the "underlying fund"). The fund's investment objective is to seek to provide a
consistent level of regular income with capital appreciation as a secondary objective over the long term, by investing primarily in income producing
equity and debt securities.
1. US Treasury Note 2.00% 2025-02-15 5.0% Asset Mix
3.5% U.S. Equity
5. National Bank of Canada 2.4%
6. US Treasury Note 1.63% 2020-11-30 2.3% 39.1% U.S. Fixed Income
7. Suncor Energy Inc 2.2% 6.9% International Equity
8. Canadian Pacific Railway Ltd 2.2% 1.9% International Fixed Income
9. US Treasury Note 5% 2037-05-15 1.9% 3.5% Cash and Cash Equivalents
10. Ontario Prov Cda 4.7% 2037-06-02 1.8%

an investor who chooses the basic guarantee. Returns are after the MER has 10% 9 9.3
7.9
5.5
5% 4.4
0%
This chart shows how units of the fund have performed in the past 10 years. 5% -4
2012
2013
2014
2015
2016
2017

Sun Life MFS Monthly Income Fund
Sun GIF Solutions Sun Life MFS Monthly Income
Average return (%)

2.0%.
Page 148 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Are comfortable with low to medium investment risk contract.
investment horizon.

Page 149 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 150 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS US Equity
June 4, 2018
Quick facts

Estate Series $500.00 3.13 $12.3484 304,388.796
The fund invests in the Sun Life MFS U.S. Equity Fund (the "underlying fund"). The fund aims for long-term capital growth by investing primarily in
companies domiciled in the United States or whose primary stock exchange listing is in the United States.
2. JPMorgan Chase & Co 3.9% 1.9% Canadian Equity
3. Bank of America Corporation 3.1%
81.8% U.S. Equity
4. Visa Inc 3.1%
6. American Tower Corp 2.6% 1.1% Cash and Cash Equivalents
7. Broadcom Ltd 2.5%
8. Cognizant Technology Solutions Corp 2.4%
9. Comcast Corp Class A 2.3%

20% 18.6 18
fund will perform in the future. Also, your actual return will depend on the 13 13
2.4
0%
2010
2011
2012
2013
2014
2015
2016
2017

Sun Life MFS U.S. Equity Fund
Sun GIF Solutions Sun Life MFS US Equity
Average return (%)

8.9%.
Page 151 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to add a US equity fund to their portfolio guarantees that may protect your investments if the markets go down.
investment horizon.

Page 152 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 153 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS US Growth
June 4, 2018
Quick facts

Estate Series $500.00 3.42 $13.4115 811,685.620
The fund invests in the Sun Life MFS U.S. Growth Fund (the "underlying fund"). The fund's investment objective is to seek capital appreciation by
investing primarily in equity securities of issuers located in the United States that are considered to have above-average earnings growth potential
compared to other companies.
2. Facebook Inc Class A 5.3% 0.9% Canadian Equity
4. Amazon.com Inc 4.7%
91.5% U.S. Equity
5. Visa Inc 4.1%
6. Adobe Systems Inc 3.3% 5.0% International Equity
7. MasterCard Inc Class A 2.9% 0.2% Cash and Cash Equivalents
9. American Tower Corp 2.1%
10. Salesforce.com Inc 2.0%

45% 42.2
15.8 19.5
15% 12.1
0%
15%
years. 60%
2011
2012
2013
2014
2015
2016
2017
Sun Life MFS U.S. Growth Fund
Sun GIF Solutions Sun Life MFS US Growth
Average return (%)

12.5%.
Page 154 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to add a US equity fund with growth characteristics to their guarantees that may protect your investments if the markets go down.
investment portfolio The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 155 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 156 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life MFS US Value
June 4, 2018
Quick facts

Estate Series $500.00 3.18 $12.4686 716,233.596
The fund invests in the Sun Life MFS U.S. Value Fund (the "underlying fund"). The fund's investment objective is to seek capital appreciation by
investing primarily in equity securities of companies with large market capitalizations located in the United States that are considered to be
undervalued compared to their perceived worth.
1. JPMorgan Chase & Co 4.9% Asset Mix
2. Johnson & Johnson 3.6% 0.6% Canadian Equity
3. Wells Fargo & Co 3.5%
4. Philip Morris International Inc 3.1%
78.7% U.S. Equity
6. The Goldman Sachs Group Inc. 2.5% 19.3% International Equity
7. Citigroup Inc 2.3%
8. Medtronic PLC 2.2%
9. U.S. Bancorp 2.2%
10. Pfizer Inc 2.2%

17.8 16.3
15% 10.9 7.9 7.4
0%
15%
2011
2012
2013
2014
2015
2016
2017

Sun Life MFS U.S. Value Fund
Sun GIF Solutions Sun Life MFS US Value
Average return (%)

9.2%.
Page 157 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Want to add a US equity fund with value characteristics to their guarantees that may protect your investments if the markets go down.
investment portfolio The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 158 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 159 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Money Market
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: MFS Investment Management Canada Limited

Estate Series $500.00 0.82 $10.0000 240,968.434
The fund invests in the Sun Life Money Market Fund (the "underlying fund"). The fund's investment objective is to achieve a high level of current
income while seeking to protect capital and to maintain liquidity by investing primarily in Canadian dollar-denominated money market instruments.
The fund may invest up to 10% of the fund's assets in Canadian dollar-denominated money market instruments of foreign issuers.
1. Canada T-Bill 2018-03-22 8.3% Asset Mix
2. Canada T-Bill 2018-04-05 7.3% 17.8% Canadian Fixed Income
3. Canada T-Bill 2018-02-22 6.8%
4. Canada T-Bill 2018-03-08 5.8%
5. Bank of Montreal 1.29% 2018-02-12 4.0%
6. National Bank of Canada1.30% 2018-01-26 4.0%
7. Province of British Columbia,1.05% 2018-02-22 3.8%
8. Canada T-Bill 2018-01-11 3.3%
9. Ontario Prov Cda 1.04% 2018-02-21 2.7%
10. Ontario Prov Cda 1.27% 2018-04-11 2.5%

0.4 0.4 0.4 0.4 0.2 0.3
0%
years. 10%
2011
2012
2013
2014
2015
2016
Sun Life Money Market Fund
Sun GIF Solutions Sun Life Money Market
Average return (%)

0.0%.
Page 160 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

investment.

1. Sales charges
Page 161 of 212

June 4, 2018

Trailing commission
3. Other fees

Page 162 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Multi-Strategy Bond
June 4, 2018
Quick facts

Estate Series $500.00 2.11 $10.0438 64,712.942
The fund invests in the Sun Life Multi-Strategy Bond (the "underlying fund"). The fund's investment objective is to seek to earn a high rate of income
by investing primarily in fixed-income securities of Canadian government and corporate issuers. The fund may from time to time invest up to 20%
of the fund's portfolio in fixed-income securities of governments and companies outside Canada.
2. Sun Life BlackRock Canadian Universe Bond Fund, Series 29.9% 98.2% Canadian Fixed Income
I
3. Templeton Global Bond Fund, Series O 6.5% 1.8% Cash and Cash Equivalents
4. Templeton Global Bond Fund (Hedged), Series O 3.5%
5. Canada Hsg Tr No 1 1.25% 2020-12-15 2.4%
6. Ontario Prov Cda 2.85% 2023-06-02 2.2%
7. Quebec Prov Cda 2.75% 2027-09-01 1.4%
8. Cash & Cash Equivalents 0.1%
9. Ontario Prov Cda2.60% 2027-06-02 1.3%
10. Canada Hsg Tr No 1 1.20% 2020-06-15 1.1%

5% 4.6
0.2
0%
This chart shows how units of the fund have performed in the past 10 years. -3
5%
2012
2013
2014
2015
2017

Sun Life Multi-Strategy Bond
Sun GIF Solutions Sun Life Multi-Strategy Bond
Average return (%)

0.3%.
Page 163 of 212

June 4, 2018
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investment horizon.

Page 164 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 165 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life NWQ Flexible Income
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: NWQ Investment Management Company,
Total value of the fund: $6,736,709 LLC

Estate Series $500.00 2.35 $10.5944 517,506.721
The fund invests in the Sun Life NWQ Flexible Income Fund (the "underlying fund"). The fund seeks to achieve income and capital appreciation by
investing primarily in a diversified portfolio of income producing securities.
1. Viacom Inc 6.88% 2036-04-30 3.0% Asset Mix
2. Hewlett Packard Enterprise Co 6.35% 2045-10-15 2.2% 2.7% Canadian Fixed Income
3. Cash 2.2%
24.9% U.S. Equity
4. McDonald's Corp, 4.88%, 2045-12-09 2.0%
5. Dish Dbs 7.75% 2026-06-01 2.0%
6. Western Digital Corp 10.50% 2024-04-01 2.0% 6.7% International Equity
7. Seagate HDD Cayman 4.88% 2027-06-01 2.0% 4.0% International Fixed Income
8. Wells Fargo & Co 7.50% 2049-12-31 1.8% 5.3% Cash and Cash Equivalents
9. Kindred Healthcare Inc 8.00% 2020-01-15 1.6%
10. Citigroup Inc 6.25% 2049-12-31 1.5%

4.9
0%
2015
2016
2017

Sun Life NWQ Flexible Income Fund
Sun GIF Solutions Sun Life NWQ Flexible Income
Average return (%)

2.3%.
Page 166 of 212

June 4, 2018
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• Seek regular monthly income and capital appreciation guarantees that may protect your investments if the markets go down.
• Are long-term investors contract.
investment horizon.

Page 167 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 168 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Schroder Global Mid Cap
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Schroder Investment Management North
Total value of the fund: $321,019 America Inc.

The fund invests in the Sun Life Schroder Global Mid Cap Fund (the "underlying fund"). The fund seeks to achieve long-term capital appreciation
primarily by investing in a diversified portfolio of medium capitalization Global companies or indirectly by investing in mutual funds (including
exchange-traded funds) that invest in such securities.
2. Advance Auto Parts Inc. 1.1% 0.8% Canadian Equity
3. KAR Auction Services Inc. 1.0%
51.3% U.S. Equity
4. Spectrum Brands Holdings Inc 1.0%
5. Aramark Holding Corp 0.8%
6. Valvoline Inc 0.8% 5.9% Cash and Cash Equivalents
7. Lennox International Inc 0.7%
8. Ashland Global Holdings Inc 0.7%
9. Hexcel Corp 0.7%
10. Dentsply Sirona Inc 0.7%

15.9
0%
years. 20%
2016
2017
Sun Life Schroder Global Mid Cap Fund
Sun GIF Solutions Sun Life Schroder Global Mid Cap
Average return (%)

4.5%.
Page 169 of 212

June 4, 2018
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• Seek to add exposure to global mid cap equities guarantees that may protect your investments if the markets go down.
investment horizon.

Page 170 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 171 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Sentry Value
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Sentry Investments Inc.

Estate Series $500.00 3.31 $11.1522 354,085.971
The fund invests in the Sun Life Sentry Value Class (the "underlying fund"). The fund’s investment objective is to seek to achieve long-term capital
appreciation through exposure to primarily equity securities of Canadian and U.S. companies by investing primarily in units of Sun Life Sentry Value
Fund or its successor fund (the "underlying trust fund"). The fund may invest in U.S. and other foreign securities in an amount not exceeding 49% of
the assets of the underlying trust fund. The underlying fund information for the Top 10 investments, Investment mix and past performance
sections below relate to the underlying trust fund.
2. AltaGas Ltd 3.8% 73.1% Canadian Equity
3. Morneau Shepell Inc 3.7%
8.8% U.S. Equity
4. Linamar Corp 2.9%
5. Keyera Corp 2.9%
6. Canfor Pulp Products Inc 2.7% 16.5% Cash and Cash Equivalents
7. CVS Health Corp 2.5%
8. Great Canadian Gaming Corp 2.3%
9. CI Financial Corp 2.3%
10. BCE Inc 2.3%

15% 14
0.5
0%
years. 20%
2014
2015
2016
2017
Sun Life Sentry Value Class
Sun GIF Solutions Sun Life Sentry Value
Average return (%)

4.7%.
Page 172 of 212

June 4, 2018
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investment horizon.

Page 173 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 174 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Brandes Investment Partners & Co. (operating
Total value of the fund: $2,158,495 as Bridgehouse Asset Managers);
Total value on: December 31, 2017 Sionna Investment Managers Inc.

Estate Series $500.00 3.56 $9.9627 90,000.853
The fund invests in the Sun Life Sionna Canadian Small Cap Equity Class (the "underlying fund"). The fund seeks to achieve long-term capital
appreciation through exposure to primarily equity securities of small to medium capitalization Canadian companies by tracking the performance of
the Sionna Canadian Small Cap Equity Fund or its successor fund (the “underlying trust fund”). In seeking to track the performance of the underlying
trust fund, the portfolio manager may invest primarily in units of the underlying trust fund, or it may invest in securities, which may include
securities of other mutual funds (including exchange-traded funds), identical or substantially similar to those in which the underlying trust fund
invests. The underlying fund information for the Top 10 investments, Investment mix and past performance sections below relate to the underlying
trust fund.
2. Winpak Ltd 4.7% 92.0% Canadian Equity
3. Computer Modelling Group Ltd 4.5%
4. Great Canadian Gaming Corp 4.4%
5. Guardian Capital Group Ltd 4.2%
6. Solium Capital Inc 3.9%
7. Dream Unlimited 3.8%
8. Pulse Seismic Inc 3.7%
9. Firstservice Corp 3.6%
10. ShawCor Ltd Class A 3.5%

5% 3.8
0%
years. 20%
2016
2017
Sun Life Sionna Canadian Small Cap Equity Class
Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity
Average return (%)

0.5%.
Page 175 of 212

June 4, 2018
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high
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• Seek to add the capital appreciation potential of small to medium guarantees that may protect your investments if the markets go down.
capitalization Canadian companies The MER includes a separate insurance fee that is charged for the
contract.
investment horizon.

Page 176 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 177 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Templeton Global Bond
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Franklin Templeton Investments Corp.;
Total value of the fund: $902,862 Franklin Advisers, Inc.

The fund invests in the Sun Life Templeton Global Bond Fund (the "underlying fund"). The fund seeks to achieve high current income and capital
appreciation primarily by investing directly in fixed-income securities and preferred shares issued around the world or indirectly by investing in
mutual funds (including exchange-traded funds) that invest in such securities. The underlying fund information for the Top 10 investments,
Investment mix and past performance sections below relate to the Templeton Global Bond Fund.
1. Government of Indonesia, Senior Bond, FR70, 8.375%, 3.8% Asset Mix
2024-03-15
2. Korea Treasury Bond Senior Note 1.375% 2021-09-10 3.7%
3. Government of India Senior Bond 9.15% 2024-11-14 2.8% 34.4% Cash and Cash Equivalents
4. Titulos de Tesoreria B 7.75% 2030-09-18 2.8%
5. Argentina(Rep Of) 15.5% 2026-10-17 2.7%
6. Nota Do Tesouro Nacional 10.00% 2021-01-01 2.5%
7. Government of Mexico, M, 4.75%, Jun 14, 2018 2.5%
8. Korea Treasury Bond Senior Bond 4.25% 2021-06-10 2.3%
9. Nota Do Tesouro Nacional 10.00% 2023-01-01 2.1%
10. Letra Tesouro Nacional, Strip 2020-07-01 2.0%

0.1
0%
2016
2017

Sun Life Templeton Global Bond Fund
Sun GIF Solutions Sun Life Templeton Global Bond
Average return (%)

0.5%.
Page 178 of 212

June 4, 2018
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high
information folder.

• Are mainly interested in current income from global issuers guarantees that may protect your investments if the markets go down.
• Are comfortable with low to medium investment risk contract.
investment horizon.

Page 179 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 180 of 212

Sun GIF Solutions Sun GIF Solutions Sun Life Trimark Canadian
June 4, 2018
Quick facts
Date series available: May 4, 2015 Underlying fund sub-advisor: Invesco Canada Ltd.;
Total value of the fund: $1,215,001 Invesco Advisers, Inc. (for cash portion of the
Total value on: December 31, 2017 Fund)

Estate Series $500.00 3.53 $9.1910 102,197.237
The fund invests in the Sun Life Trimark Canadian Class (the "underlying fund"). The fund seeks to achieve consistent long-term capital appreciation
primarily by investing directly in common shares of Canadian companies or indirectly by investing in mutual funds (including exchange-traded funds)
that invest in such securities. The underlying fund information for the Top 10 investments, Investment mix and past performance sections below
relate to the Trimark Canadian Fund.
1. Brookfield Asset Management Inc 8.0% Asset Mix
2. Bank of Nova Scotia 5.9% 55.0% Canadian Equity
34.1% U.S. Equity
4. Canadian Dollar Cash Management Fund, Series I 4.9%
5. Power Corporation Of Canada 4.8%
6. Berkshire Hathaway Inc B 4.3% 5.0% Cash and Cash Equivalents
9. Zimmer Biomet Holdings, Inc 3.3%
10. Brenntag AG 3.2%

10% 8.9
0%
years. 20%
2016
2017
Sun Life Trimark Canadian Class
Sun GIF Solutions Sun Life Trimark Canadian
Average return (%)

-2.7%.
Page 181 of 212

June 4, 2018
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• Seek long term capital appreciation guarantees that may protect your investments if the markets go down.
investment horizon.

Page 182 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 183 of 212

Sun GIF Solutions Sun GIF Solutions TD Canadian Bond
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: TD Asset Management Inc.

Estate Series $500.00 2.25 $10.0226 106,807.066
The fund invests in the TD Canadian Bond Fund (the "underlying fund"). The fund seeks to earn a high rate of interest income primarily by investing
directly in high-quality bonds and debentures issued principally by Canadian borrowers in Canadian dollars .
1. Canada Govt 2.75% 2048-12-01 2.1% Asset Mix
2. Ontario Prov Cda 2.9% 2046-12-02 2.1% 95.5% Canadian Fixed Income
3. Ontario Prov Cda 5.6% 2035-06-02 1.8%
4. Canada Govt 4% 2041-06-01 1.6%
0.6% Other net assets
5. Ontario Prov Cda 2.80% 2048-06-02 1.5%
6. Canada Govt 1.00% 2027-06-01 1.4% 0.8% International Fixed Income
7. Ontario Prov Cda 4.70% 2037-06-02 1.3% 0.9% Cash and Cash Equivalents
8. Province of British Columbia 4.30% 2042-06-18 1.3%
9. Ontario Prov Cda 3.45% 2045-06-02 1.2%
10. Canada Govt 3.5% 2045-12-01 1.2%

8.1
7% 7
been deducted. It's important to note that this doesn't tell you how the 6
2% 2.3 2
0%
2008
2009
2010
2011
2012
2013
2014
2015
2017

TD Canadian Bond Fund
Sun GIF Solutions TD Canadian Bond
Average return (%)

0.1%.
Page 184 of 212

June 4, 2018
Risk rating
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high
information folder.

• Are investing for the medium to long term guarantees that may protect your investments if the markets go down.
• Want a high quality income investment
• Can handle small changes in the value of their investment contract.
investment horizon.

Page 185 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 186 of 212

Sun GIF Solutions Sun GIF Solutions TD Dividend Income
June 4, 2018
Quick facts

Estate Series $500.00 3.13 $11.5329 1,135,313.753
The fund invests in the TD Dividend Income Fund (the "underlying fund"). The fund seeks to provide income and to a lesser extent capital
appreciation, primarily by investing directly in income producing securities.
2.0% U.S. Equity
6. Enbridge Inc 4.0% 1.0% U.S. Fixed Income
7. Brookfield Asset Management Inc 3.7% 0.4% Other net assets
8. Canadian National Railway Co 3.1% 0.4% International Fixed Income
9. Suncor Energy Inc 2.8% 0.4% Cash and Cash Equivalents
10. Manulife Financial Corp 2.7%

30.6
9.3 12.5 11
10% 8.8 7.8
0%
years. 40%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
TD Dividend Income Fund
Sun GIF Solutions TD Dividend Income
Average return (%)

6.0%.
Page 187 of 212

June 4, 2018
Risk rating
Low to Medium to
high
information folder.

• Are more interested in income than growth
• Can handle changes in the value of their investment contract.
investment horizon.

Page 188 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 189 of 212

Sun GIF Solutions Sun GIF Solutions TD Real Return Bond
June 4, 2018
Quick facts

Estate Series $500.00 2.49 $9.7860 16,333.049
The fund invests in the TD Real Return Bond Fund (the "underlying fund"). The fundamental investment objective is to provide a regular level of
interest income that is hedged against inflation, by investing primarily in Canadian government guaranteed real return bonds, as well as those issued
by the governments of foreign countries.
1. Government of Canada Real R 01.25 471201 15.0% Asset Mix
2. Government Of Canada Real R 01.50 441201 13.5% 99.5% Canadian Fixed Income
3. Government Of Canada Real R 04.00 311201 12.6%
4. Province Of Manitoba Real R 01.74 181201 9.9%
8. Province Of Quebec Real Ret 04.50 211201 7.4%
9. Province Of Ontario Real Re 02.00 361201 6.6%

15.3
10.5
10% 8.6
1.2 0.9
0%
-1.2 -1.3
years. 20%
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
TD Real Return Bond Fund
Sun GIF Solutions TD Real Return Bond
Average return (%)

-0.4%.
Page 190 of 212

June 4, 2018
Risk rating
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high
information folder.

• Are concerned about the long term effects of inflation
• Want a high quality income investment contract.
• Can handle changes in the value of their investment
investment horizon.

Page 191 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 192 of 212

Sun GIF Solutions Sun GIF Solutions Trimark
June 4, 2018
Quick facts
Date fund created: May 4, 2015 Underlying fund manager: Invesco Canada Ltd.
Date series available: May 4, 2015 Underlying fund sub-advisor: Invesco Advisers, Inc. (for cash portion of the
Total value of the fund: $1,097,190 Fund)

The fund invests in the Trimark Fund (the "underlying fund"). Trimark Fund seeks to achieve strong capital growth with a high degree of reliability
over the long term. The Fund invests primarily in equities of companies anywhere in the world.
1. Visa Inc 4.5% Asset Mix
2. Autozone Inc 4.3% 1.9% Canadian Equity
52.3% U.S. Equity
4. W.W. Grainger, Inc. 4.2%
5. Bureau Veritas SA 4.0%
6. Express Scripts Holding Co 4.0% 6.4% Cash and Cash Equivalents
8. Canadian Dollar Cash Management Fund, Series I 3.9%
9. Nielsen Holdings PLC 3.5%
10. Schlumberger Ltd 3.3%

30% 29
20% 18
fund will perform in the future. Also, your actual return will depend on the 9.3 10.7 10.5
10% 8.8
guarantee option you choose and on your personal tax situation. 3.9 2 3.7
0%
In the last 10 years the fund was up in value 9 years, and down in value 1 year. 30% -29.3
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017

Trimark Fund
Sun GIF Solutions Trimark
Average return (%)

6.2%.
Page 193 of 212

June 4, 2018
Risk rating
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high
information folder.

• Want strong capital growth over the long term guarantees that may protect your investments if the markets go down.
• Own, or plan to own, other types of investments to diversify their
holdings
contract.
• Want a diversified global equity investment
• Are comfortable with medium risk
investment horizon.

Page 194 of 212

June 4, 2018
1. Sales charges
Year 4 4.0%
Year 6 3.0%
Year 7 2.0%
Year 1 3.0%
Year 2 2.5%
After year 3 Nil

Trailing commission
3. Other fees

Page 195 of 212

Information specific to F class funds
F class funds
This section shows the funds available in fee-based accounts. For additional fund information, please see the corresponding page in this
fund facts booklet.
Investment Series
Net asset value Units
Fund name MER (%)* per unit ($) outstanding
Sun GIF Solutions CI Cambridge Canadian Asset Allocation 1.68 10.9536 2,970.020
Sun GIF Solutions CI Cambridge Canadian Equity 1.99 11.8037 585.492
Sun GIF Solutions CI Cambridge Global Equity 1.99 11.7378 602.669
Sun GIF Solutions CI Signature Diversified Yield II 1.58 10.6051 593.337
Sun GIF Solutions CI Signature High Income 1.58 10.4831 597.501
Sun GIF Solutions CI Signature Income & Growth 1.68 11.2997 604.115
Sun GIF Solutions Daily Interest 0.66 10.1178 325,999.780
Sun GIF Solutions Dollar Cost Average Daily Interest 0.68 10.1205 326,002.080
Sun GIF Solutions Estate Settlement 0.66 10.1291 323,913.894
Sun GIF Solutions Fidelity Floating Rate High Income 1.78 11.0511 524.338
Sun GIF Solutions Fidelity Income Allocation 1.69 10.6687 548.445
Sun GIF Solutions Fidelity Monthly Income 1.68 10.9004 556.093
Sun GIF Solutions Fidelity NorthStar® 2.14 11.5328 513.177
Sun GIF Solutions Fidelity True North® 2.03 10.8774 593.407
Sun GIF Solutions Fiera Global Equity 2.04 13.3249 538.711
Sun GIF Solutions Fiera US Equity 2.04 13.5683 516.035
Sun GIF Solutions Franklin Global Growth 2.19 13.0462 563.252
Sun GIF Solutions PH&N Short Term Bond and Mortgage 1.62 9.9312 550.170
Sun GIF Solutions RBC Global High Yield Bond 1.64 11.3231 570.400
Sun GIF Solutions RBC North American Value 1.93 12.1185 589.677
Sun GIF Solutions Sun Life BlackRock Canadian Balanced 1.30 11.0482 3,070.996
Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity 1.26 10.9591 645.026
Sun GIF Solutions Sun Life BlackRock Canadian Equity 1.52 11.5205 616.186
Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond 1.34 10.2768 544.212
Sun GIF Solutions Sun Life Dynamic American 2.04 13.1244 531.441
Sun GIF Solutions Sun Life Dynamic Equity Income 1.72 12.4190 16,703.172
Sun GIF Solutions Sun Life Dynamic Strategic Yield 1.42 11.2759 550.236
Sun GIF Solutions Sun Life Excel Emerging Markets 2.40 12.4822 658.064
Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity 1.73 11.4797 613.981
Sun GIF Solutions Sun Life Granite Balanced 1.46 11.3594 3,477.031
Sun GIF Solutions Sun Life Granite Balanced Growth 1.54 11.6673 58,815.516
Sun GIF Solutions Sun Life Granite Conservative 1.34 10.8882 17,821.525
Sun GIF Solutions Sun Life Granite Enhanced Income 1.55 10.8764 585.930
Sun GIF Solutions Sun Life Granite Growth 1.56 11.7463 6,851.619
Sun GIF Solutions Sun Life Granite Income 1.44 10.8180 1,154.164
Sun GIF Solutions Sun Life Granite Moderate 1.41 11.3016 62,025.062
Sun GIF Solutions Sun Life Infrastructure 1.89 10.8279 627.825
Sun GIF Solutions Sun Life MFS Canadian Bond 1.47 10.4476 547.617
Sun GIF Solutions Sun Life MFS Canadian Equity Growth 1.63 11.5561 1,207.389
Sun GIF Solutions Sun Life MFS Dividend Income 1.63 10.8725 648.356
Page 196 of 212
Information specific to F class funds (continued)
Investment Series
Sun GIF Solutions Sun Life MFS Global Growth 1.79 13.0383 550.217
Sun GIF Solutions Sun Life MFS Global Total Return 1.48 11.6607 18,344.856
Sun GIF Solutions Sun Life MFS Global Value 1.73 12.8450 529.009
Sun GIF Solutions Sun Life MFS International Growth 1.79 12.4145 574.026
Sun GIF Solutions Sun Life MFS International Value 1.70 12.8360 533.733
Sun GIF Solutions Sun Life MFS Low Volatility Global Equity 1.67 11.4838 501.699
Sun GIF Solutions Sun Life MFS Low Volatility International Equity 1.67 11.1562 501.697
Sun GIF Solutions Sun Life MFS Monthly Income 1.32 10.8580 595.269
Sun GIF Solutions Sun Life MFS US Equity 1.55 12.8987 549.236
Sun GIF Solutions Sun Life MFS US Growth 1.73 14.0714 510.380
Sun GIF Solutions Sun Life MFS US Value 1.58 13.0276 532.045
Sun GIF Solutions Sun Life Money Market 0.82 10.0000 550.000
Sun GIF Solutions Sun Life Multi-Strategy Bond 1.38 10.2231 551.979
Sun GIF Solutions Sun Life NWQ Flexible Income 1.61 10.8061 582.237
Sun GIF Solutions Sun Life Schroder Global Mid Cap 1.89 11.5877 613.937
Sun GIF Solutions Sun Life Sentry Value 1.68 11.6559 588.384
Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity 1.89 10.4196 660.196
Sun GIF Solutions Sun Life Templeton Global Bond 1.79 10.2983 556.375
Sun GIF Solutions Sun Life Trimark Canadian 1.94 9.5914 784.760
Sun GIF Solutions TD Canadian Bond 1.58 10.1955 547.463
Sun GIF Solutions TD Dividend Income 1.58 12.0186 11,585.061
Sun GIF Solutions TD Real Return Bond 1.58 10.0445 550.751
Sun GIF Solutions Trimark 2.09 12.0901 571.387
*MERs are estimated in the first year
Estate Series
Sun GIF Solutions CI Cambridge Canadian Asset Allocation 2.13 10.8289 22,484.409
Sun GIF Solutions CI Cambridge Canadian Equity 2.43 11.6639 587.542
Sun GIF Solutions CI Cambridge Global Equity 2.51 11.5822 28,969.076
Sun GIF Solutions CI Signature Diversified Yield II 1.98 10.4937 595.125
Sun GIF Solutions CI Signature High Income 1.97 9.9404 50.000
Sun GIF Solutions CI Signature Income & Growth 2.01 11.2029 4,015.216
Sun GIF Solutions Daily Interest 0.75 10.0990 1,865.753
Sun GIF Solutions Dollar Cost Average Daily Interest 0.78 10.0909 1,048.742
Sun GIF Solutions Fidelity Floating Rate High Income 2.12 10.9504 525.701
Sun GIF Solutions Fidelity Income Allocation 2.02 9.2354 50.000
Sun GIF Solutions Fidelity Monthly Income 2.08 10.2007 5,015.046
Sun GIF Solutions Fidelity True North® 2.53 10.7530 62,628.240
Sun GIF Solutions Fiera Global Equity 2.55 13.1451 540.802
Sun GIF Solutions PH&N Short Term Bond and Mortgage 1.79 9.8906 6,611.603
Page 197 of 212

Estate Series
Sun GIF Solutions RBC Global High Yield Bond 1.81 11.2768 3,161.144
Sun GIF Solutions RBC North American Value 2.38 11.8970 50.000
Sun GIF Solutions Sun Life BlackRock Canadian Balanced 1.63 10.9508 592.120
Sun GIF Solutions Sun Life Dynamic Equity Income 2.16 12.2756 6,857.629
Sun GIF Solutions Sun Life Dynamic Strategic Yield 1.88 11.1399 2,053.205
Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity 2.19 11.3488 3,796.142
Sun GIF Solutions Sun Life Granite Enhanced Income 1.88 10.7829 6,425.284
Sun GIF Solutions Sun Life Infrastructure 2.40 10.7174 7,286.576
Sun GIF Solutions Sun Life MFS Canadian Bond 1.64 10.4012 31,928.256
Sun GIF Solutions Sun Life MFS Dividend Income 2.08 10.7445 4,777.259
Sun GIF Solutions Sun Life MFS Global Growth 2.46 12.8144 3,230.873
Sun GIF Solutions Sun Life MFS Global Value 2.28 12.6582 87,576.534
Sun GIF Solutions Sun Life MFS International Growth 2.30 12.2486 2,168.684
Sun GIF Solutions Sun Life MFS International Value 2.22 12.6631 4,711.683
Sun GIF Solutions Sun Life MFS US Growth 2.44 13.8179 51,873.242
Sun GIF Solutions Sun Life MFS US Value 2.09 12.8504 4,285.869
Sun GIF Solutions Sun Life Multi-Strategy Bond 1.55 10.1758 5,647.540
Sun GIF Solutions Sun Life NWQ Flexible Income 1.78 10.7602 5,514.976
Sun GIF Solutions Sun Life Sentry Value 2.13 11.5223 111,978.353
Sun GIF Solutions TD Canadian Bond 1.75 10.1499 31,441.770
Sun GIF Solutions TD Dividend Income 2.02 11.8800 8,860.295
Sun GIF Solutions TD Real Return Bond 1.92 9.9517 552.270
Page 198 of 212

Income Series
Sun GIF Solutions Strategic Income 2.23 10.2905 198,101.984
Page 199 of 212

Information specific to Private Client program – O class
Private Client – O class
This section shows the funds available in the Private Client program. For additional fund information, please see the corresponding
page in this fund facts booklet.
Fee What you pay
Advisor service fee: When you purchase O class units you agree to pay your distributor an advisor service fee. We collect this
fee plus applicable taxes on your distributor’s behalf by redeeming O class units from your contract
monthly proportionately from each fund. The redemption of units to pay the fee does not affect your
guarantees.
You may negotiate the advisor service fee with your insurance advisor. It must not be more than 1.00%
annually, plus applicable taxes.
Management fees: O class management fees shown on pages 203 and 204 are the maximum annual management fees that
may be charged to you. These fees may be reduced by the management fee reduction based on the daily
total market value of Private Client eligible units in your contract. O class management fees plus
applicable taxes are collected by redeeming your O class units and do not include the advisor service fee.
These fees are in addition to the MER of the fund. For more information refer to Section 10 Private Client
program of the Sun GIF Solutions Information Folder.
Investment Series
Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity 0.42 12.6035 50,679.153
Sun GIF Solutions Sun Life Dynamic American 0.91 12.3906 9,060.830
Sun GIF Solutions Sun Life Dynamic Equity Income 0.58 12.7744 547.818
Sun GIF Solutions Sun Life Excel Emerging Markets 1.27 13.8624 1,197.373
Sun GIF Solutions Sun Life Granite Conservative 0.39 11.1946 1,053,672.671
Sun GIF Solutions Sun Life MFS Canadian Bond 0.34 10.8160 54,522.157
Sun GIF Solutions Sun Life MFS Global Growth 0.65 12.7988 3,224.429
Sun GIF Solutions Sun Life MFS International Growth 0.65 12.6230 9,228.274
Sun GIF Solutions Sun Life MFS US Equity 0.45 12.5109 26,999.433
Page 200 of 212
Information specific to O class funds (continued)
Investment Series
Sun GIF Solutions Sun Life Money Market 0.32 10.1870 14,421.545
Sun GIF Solutions Sun Life NWQ Flexible Income 0.47 11.3552 45,302.526
Sun GIF Solutions Sun Life Templeton Global Bond 0.62 10.4679 3,904.094
Sun GIF Solutions Sun Life Trimark Canadian 0.80 12.2585 6,713.185
*MERs are estimated in the first year.
Estate Series
Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity 1.05 12.6038 3,190.302
Sun GIF Solutions Sun Life MFS Global Value 1.12 12.1320 14,128.512
Page 201 of 212
Information specific to O class funds (continued)
Estate Series
Sun GIF Solutions Sun Life Money Market 0.40 10.0668 46,819.269
*MERs are estimated in the first year.
Page 202 of 212

Ratios & supplementary data – management fees
Fund name FEL/LL/DSC (%) F class (%) O class (%)
Sun GIF Solutions CI Cambridge Canadian Asset Allocation 2.05 1.05
Sun GIF Solutions CI Cambridge Canadian Equity 2.15 1.15
Sun GIF Solutions CI Cambridge Global Equity 2.15 1.15
Sun GIF Solutions CI Signature Diversified Yield II 2.00 1.00
Sun GIF Solutions CI Signature High Income 2.00 1.00
Sun GIF Solutions CI Signature Income & Growth 2.00 1.00
Sun GIF Solutions Daily Interest 0.55 0.35
Sun GIF Solutions Dollar Cost Average Daily Interest 0.55 0.35
Sun GIF Solutions Estate Settlement 0.55 0.35
Sun GIF Solutions Fidelity Floating Rate High Income 1.70 1.20
Sun GIF Solutions Fidelity Income Allocation 2.10 1.10
Sun GIF Solutions Fidelity Monthly Income 2.05 1.05
Sun GIF Solutions Fidelity NorthStar® 2.30 1.30
Sun GIF Solutions Fidelity True North® 2.20 1.20
Sun GIF Solutions Fiera Global Equity 2.25 1.25
Sun GIF Solutions Fiera US Equity 2.20 1.20
Sun GIF Solutions Franklin Global Growth 2.35 1.35
Sun GIF Solutions PH&N Short Term Bond and Mortgage 1.55 1.05
Sun GIF Solutions RBC Global High Yield Bond 1.60 1.10
Sun GIF Solutions RBC North American Value 2.20 1.20
Sun GIF Solutions Strategic Income 1.40 0.90
Sun GIF Solutions Sun Life BlackRock Canadian Balanced 1.65 0.40 0.40
Sun GIF Solutions Sun Life Dynamic American 2.10 1.10 1.10
Sun GIF Solutions Sun Life Dynamic Strategic Yield 1.85 0.85 0.85
Sun GIF Solutions Sun Life Excel Emerging Markets 2.25 1.25 1.25
Sun GIF Solutions Sun Life Granite Balanced 1.90 0.90 0.90
Sun GIF Solutions Sun Life Granite Balanced Growth 1.90 0.90 0.90
Sun GIF Solutions Sun Life Granite Conservative 1.80 0.80 0.80
Sun GIF Solutions Sun Life Granite Enhanced Income 1.90 0.90 0.90
Sun GIF Solutions Sun Life Granite Growth 1.95 0.95 0.95
Sun GIF Solutions Sun Life Granite Income 1.90 0.90 0.90
Sun GIF Solutions Sun Life Granite Moderate 1.85 0.85 0.85
Sun GIF Solutions Sun Life Infrastructure 2.10 1.10 1.10
Sun GIF Solutions Sun Life MFS Canadian Equity Growth 1.90 0.90 0.90
Sun GIF Solutions Sun Life MFS Dividend Income 1.80 0.80 0.80
Sun GIF Solutions Sun Life MFS Global Total Return 1.85 0.85 0.85
Page 203 of 212

Ratios & supplementary data – management fees (continued)
Fund name FEL/LL/DSC (%) F class (%) O class (%)
Sun GIF Solutions Sun Life MFS International Value 2.00 1.00 1.00
Sun GIF Solutions Sun Life MFS US Growth 1.95 0.95 0.95
Sun GIF Solutions Sun Life MFS US Value 1.85 0.85 0.85
Sun GIF Solutions Sun Life Sentry Value 1.90 0.90 0.90
Sun GIF Solutions Sun Life Templeton Global Bond 1.30 0.80 0.80
Sun GIF Solutions TD Canadian Bond 1.50 1.00
Sun GIF Solutions TD Dividend Income 2.00 1.00
Sun GIF Solutions TD Real Return Bond 1.55 1.05
Sun GIF Solutions Trimark 2.35 1.35
FEL, F class and O class management fees shown here are the maximum annual management fees that may be charged to you. These fees may be reduced by a
management fee reduction based on the daily total market value of Private Client eligible units in your contract.
Page 204 of 212

Ratios & supplementary data – insurance fees
Fund name Investment Series (%) Estate Series (%)
Sun GIF Solutions CI Cambridge Canadian Asset Allocation 0.28 0.67

Sun GIF Solutions CI Cambridge Canadian Equity 0.45 0.84
Sun GIF Solutions CI Cambridge Global Equity 0.45 0.90
Sun GIF Solutions CI Signature Diversified Yield II 0.24 0.59
Sun GIF Solutions CI Signature High Income 0.24 0.59
Sun GIF Solutions CI Signature Income & Growth 0.33 0.62
Sun GIF Solutions Daily Interest 0.11 0.16
Sun GIF Solutions Dollar Cost Average Daily Interest 0.11 0.16
Sun GIF Solutions Estate Settlement 0.11 0.11
Sun GIF Solutions Fidelity Floating Rate High Income 0.22 0.52
Sun GIF Solutions Fidelity Income Allocation 0.23 0.52
Sun GIF Solutions Fidelity Monthly Income 0.28 0.63
Sun GIF Solutions Fidelity NorthStar® 0.43
Sun GIF Solutions Fidelity True North® 0.44 0.84
Sun GIF Solutions Fiera Global Equity 0.35 0.80
Sun GIF Solutions Fiera US Equity 0.40
Sun GIF Solutions Franklin Global Growth 0.43
Sun GIF Solutions PH&N Short Term Bond and Mortgage 0.17 0.32
Sun GIF Solutions RBC Global High Yield Bond 0.17 0.32
Sun GIF Solutions RBC North American Value 0.33 0.73
Sun GIF Solutions Sun Life BlackRock Canadian Balanced 0.18 0.47
Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity 0.26 0.66
Sun GIF Solutions Sun Life BlackRock Canadian Equity 0.36 0.75
Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond 0.13 0.28
Sun GIF Solutions Sun Life Dynamic American 0.45
Sun GIF Solutions Sun Life Dynamic Equity Income 0.43 0.82
Sun GIF Solutions Sun Life Dynamic Strategic Yield 0.20 0.60
Sun GIF Solutions Sun Life Excel Emerging Markets 0.41
Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity 0.27 0.67
Sun GIF Solutions Sun Life Granite Balanced 0.22 0.52
Sun GIF Solutions Sun Life Granite Balanced Growth 0.27 0.56
Sun GIF Solutions Sun Life Granite Conservative 0.23 0.53
Sun GIF Solutions Sun Life Granite Enhanced Income 0.27 0.56
Sun GIF Solutions Sun Life Granite Growth 0.26 0.56
Sun GIF Solutions Sun Life Granite Income 0.18 0.47
Sun GIF Solutions Sun Life Granite Moderate 0.23 0.52
Sun GIF Solutions Sun Life Infrastructure 0.36 0.81
Sun GIF Solutions Sun Life MFS Canadian Bond 0.17 0.32
Sun GIF Solutions Sun Life MFS Canadian Equity Growth 0.28 0.68
Sun GIF Solutions Sun Life MFS Dividend Income 0.43 0.83
Sun GIF Solutions Sun Life MFS Global Growth 0.37 0.96
Sun GIF Solutions Sun Life MFS Global Total Return 0.20 0.59
Sun GIF Solutions Sun Life MFS Global Value 0.32 0.77
Sun GIF Solutions Sun Life MFS International Growth 0.37 0.82
Page 205 of 212

Ratios & supplementary data – insurance fees (continued)
Sun GIF Solutions Sun Life MFS International Value 0.32 0.77
Sun GIF Solutions Sun Life MFS Low Volatility Global Equity 0.32 0.77
Sun GIF Solutions Sun Life MFS Low Volatility International Equity 0.32 0.77
Sun GIF Solutions Sun Life MFS Monthly Income 0.21 0.61
Sun GIF Solutions Sun Life MFS US Equity 0.29 0.74
Sun GIF Solutions Sun Life MFS US Growth 0.32 0.91
Sun GIF Solutions Sun Life MFS US Value 0.29 0.74
Sun GIF Solutions Sun Life Money Market 0.12 0.19
Sun GIF Solutions Sun Life Multi-Strategy Bond 0.18 0.33
Sun GIF Solutions Sun Life NWQ Flexible Income 0.16 0.31
Sun GIF Solutions Sun Life Schroder Global Mid Cap 0.41
Sun GIF Solutions Sun Life Sentry Value 0.33 0.72
Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity 0.31 0.80
Sun GIF Solutions Sun Life Templeton Global Bond 0.22
Sun GIF Solutions Sun Life Trimark Canadian 0.40 0.80
Sun GIF Solutions TD Canadian Bond 0.24 0.39
Sun GIF Solutions TD Dividend Income 0.24 0.63
Sun GIF Solutions TD Real Return Bond 0.19 0.49
Sun GIF Solutions Trimark 0.34
Insurance fees for F class funds are the same as those listed above except for the following funds:
Sun GIF Solutions Sun Life BlackRock Canadian Balanced 0.15 0.25
Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity 0.20 0.44
Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond 0.10 0.20
Fund name Income Series (%)

Sun GIF Solutions Estate Settlement 0.11
Sun GIF Solutions Strategic Income 0.98
Page 206 of 212

Summary of the investment objectives of each fund:
Fund name Objective
Sun GIF Solutions CI This fund's objective is to achieve a superior total investment return by investing, directly or
Cambridge Canadian Asset indirectly, in a combination of primarily equity and fixed income securities of Canadian companies.
Allocation Indirect investments may include convertible securities, derivatives, equity-related securities and
securities of other mutual funds.
Sun GIF Solutions CI This fund's objective is to achieve long-term capital growth by investing, directly or indirectly,
Cambridge Canadian Equity primarily in equity securities of Canadian companies. Indirect investments may include convertible
securities, derivatives, equity-related securities and securities of other mutual funds.
Sun GIF Solutions CI This fund's objective is to achieve long-term capital growth by investing, directly or indirectly,
Cambridge Global Equity primarily in equity securities of companies located anywhere in the world. Indirect investments
may include convertible securities, derivatives, equity-related securities and securities of other
mutual funds.
Sun GIF Solutions CI Signature The fundamental investment objective of Signature Diversified Yield II Fund is to generate a high
Diversified Yield II level of income through exposure to a portfolio of fixed income and high-yielding equity securities
throughout the world.
Sun GIF Solutions CI Signature This fund's objective is to generate a high level of income and long-term capital growth. It invests
High Income primarily in high-yielding equity securities and Canadian corporate bonds.
Sun GIF Solutions CI Signature The fund seeks to provide a steady flow of current income while preserving capital by investing in
Income & Growth a diversified portfolio of securities composed mainly of equity, equity-related and fixed income
securities of Canadian issuers. The fund may also invest in foreign securities.
Sun GIF Solutions Daily Interest The investment objective of the fund is to provide investors with interest income.
Sun GIF Solutions Dollar Cost The investment objective of the fund is to provide investors with interest income.
Average Daily Interest
Sun GIF Solutions Estate The investment objective of the fund is to provide investors with interest income.
Settlement
Sun GIF Solutions Fidelity A high yield offering that aims to provide a steady flow of income. It primarily invests in the
Floating Rate High Income floating rate debt of non-investment-grade issuers located in the U.S. or whose debt is
denominated in U.S. dollars
Sun GIF Solutions Fidelity Fidelity Income Allocation fund offers exposure to multiple fixed income asset classes and income-
Income Allocation oriented equities and aims to provide investors with monthly yield and total return potential in a
tactical asset allocation fund.
Sun GIF Solutions Fidelity Fidelity Monthly Income fund offers a unique combination of high yielding equity and fixed-
Monthly Income income securities, actively managed to aim to deliver a balance of income and growth.
Sun GIF Solutions Fidelity Fidelity NorthStar® fund has an open mandate to seek the best ideas wherever they may lie, based
NorthStar® on the convictions of veteran managers.
Sun GIF Solutions Fidelity True Fidelity True North® fund delivers superior long-term growth potential through its freedom to
North® pursue opportunities throughout the Canadian market.
Sun GIF Solutions Fiera Global The objective of the fund is to achieve over the longer term the highest possible return that is
Equity consistent with a fundamental investment philosophy through investment primarily in foreign
equity securities and to provide long-term capital appreciation through a portfolio of broadly
diversified securities, by region and industry, invested primarily in the U.S. and International
markets.
Page 207 of 212

Fund name Objective
Sun GIF Solutions Fiera US The objective of the fund is to achieve over the longer term the highest possible return that is
Equity consistent with a fundamental investment philosophy through investment primarily in U.S. equity
securities. To provide long-term capital appreciation through a portfolio of broadly diversified
securities, by industry, invested primarily in the U.S. market.
Sun GIF Solutions Franklin Long-term capital appreciation by investing primarily in equity securities of growth companies with
Global Growth any market size capitalization, which are located throughout the world.
Sun GIF Solutions PH&N Short To provide relatively high yields and stability of capital by investing primarily in a well-diversified
Term Bond and Mortgage portfolio of short-term fixed income securities issued by Canadian governments and corporations,
and first mortgages on property located in Canada.
Sun GIF Solutions RBC Global The fund seeks to provide above average total returns and achieve a yield advantage. To provide
High Yield Bond total returns comprised of interest income and capital growth. The fund invests primarily in higher
yielding corporate or government debt securities from anywhere around the world.
Sun GIF Solutions RBC North To provide long-term capital growth by investing primarily in equity securities of Canadian and/or
American Value U.S. companies priced below their true value and offering long-term opportunities for growth.
Sun GIF Solutions Strategic This fund invests in underlying funds or directly in securities. The fund or underlying funds are
Income primarily invested in government and corporate debt securities, although the fund or underlying
funds may also hold equities and alternative investment class assets. This fund seeks to preserve
capital and provide sustainable income.
Sun GIF Solutions Sun Life The fund’s investment objective is to seek a combination of income and growth by investing
BlackRock Canadian Balanced primarily in Canadian equity securities and Canadian debt instruments directly or indirectly through
mutual funds and exchange-traded funds that invest in such securities. The fund may invest up to
45% in foreign securities directly or indirectly through mutual funds that invest in such securities.
Sun GIF Solutions Sun Life The fund’s investment objective is to seek long-term capital appreciation through exposure to
BlackRock Canadian primarily equity securities included in a broad and recognized Canadian equity market index that
Composite Equity includes primarily large and mid-market capitalization companies the securities of which are
considered to be the most liquid in Canadian equity markets by investing primarily in units of
Sun Life BlackRock Canadian Composite Equity fund or its successor fund (the "underlying trust
fund").
Sun GIF Solutions Sun Life The fund’s investment objective is to seek capital appreciation through exposure to primarily
BlackRock Canadian Equity Canadian equity securities by investing primarily in units of Sun Life BlackRock Canadian Equity
fund or its successor fund (the "underlying trust fund"). The fund may invest up to 45% of the
underlying trust fund's assets in foreign securities.
Sun GIF Solutions Sun Life The fund's investment objective is to provide income by replicating, to the extent possible, the
BlackRock Canadian Universe performance, net of fees, of a broad and recognized Canadian bond market index (the "Index"). The
Bond fund invests directly in fixed income securities included in the Index and/or may achieve indirect
exposure to some or all of the Index by investing in exchange-traded funds, mutual funds or
derivatives that are correlated to the performance of the Index.
Sun GIF Solutions Sun Life The fund’s investment objective is to seek to achieve long-term capital appreciation primarily by
Dynamic American investing directly in equity securities of United States based businesses deemed to be undervalued
relative to their perceived worth or indirectly by investing in mutual funds (including exchange-
traded funds) that invest in such securities.
Sun GIF Solutions Sun Life The fund’s investment objective is to seek to achieve income and long-term capital growth
Dynamic Equity Income through exposure to primarily equity securities that pay a dividend or distribution by investing
primarily in units of Sun Life Dynamic Equity Income fund or its successor fund (the "underlying
trust fund").
Page 208 of 212

Fund name Objective
Sun GIF Solutions Sun Life The fund’s investment objective is to seek to achieve income and long-term capital growth
Dynamic Strategic Yield through exposure to primarily a diversified portfolio of fixed income and income-oriented equity
securities by investing primarily in units of Sun Life Dynamic Strategic Yield fund or its successor
fund (the "underlying trust fund").
Sun GIF Solutions Sun Life The fund's investment objective is to seek capital appreciation by investing primarily in equity
Excel Emerging Markets securities of companies with a connection to emerging markets.
Sun GIF Solutions Sun Life The fund seeks to achieve long-term capital appreciation primarily by investing directly in a
Franklin Bissett Canadian Equity diversified portfolio of mid to large capitalization Canadian equities or indirectly by investing in
mutual funds (including exchange-traded funds) that invest in such securities.
Sun GIF Solutions Sun Life The fund’s investment objective is to seek capital appreciation and income, with a small bias
Granite Balanced towards capital appreciation, by investing primarily in a mix of equity and fixed income mutual
funds.
Sun GIF Solutions Sun Life The fund's investment objective is to seek capital appreciation and income, with a bias towards
Granite Balanced Growth capital appreciation, by investing primarily in equity mutual funds and, to a lesser extent, fixed
income mutual funds.
Sun GIF Solutions Sun Life The fund's investment objective is to seek income and capital appreciation, with a bias towards
Granite Conservative income, by investing primarily in fixed income mutual funds and, to a lesser extent, equity mutual
funds.
Sun GIF Solutions Sun Life The fund seeks to generate a consistent level of income by investing primarily in a mix of income-
Granite Enhanced Income focused fixed income and equity mutual funds (including exchange-traded funds), with an
emphasis towards higher yielding investments.
Sun GIF Solutions Sun Life The fund's investment objective is to seek capital appreciation by investing primarily in equity
Granite Growth mutual funds and, to a lesser extent, fixed income mutual funds.
Sun GIF Solutions Sun Life The fund seeks to generate a consistent level of income by investing primarily in a mix of income-
Granite Income focused fixed income and equity mutual funds (including exchange-traded funds).
Sun GIF Solutions Sun Life The fund's investment objective is to seek income and capital appreciation by investing primarily in
Granite Moderate a mix of fixed income and equity mutual funds.
Sun GIF Solutions Sun Life The fund seeks to provide regular current income primarily by investing directly in global
Infrastructure companies with either direct or indirect exposure to infrastructure or indirectly by investing in
mutual funds (including exchange-traded funds) that invest in such securities.
Sun GIF Solutions Sun Life MFS The fund aims to provide investors with high investment returns primarily through income, with
Canadian Bond reasonable safety of capital. The fund may invest up to 30% of the fund's assets in foreign debt
instruments.
Sun GIF Solutions Sun Life MFS The fund aims for long-term capital growth primarily by investing in Canadian growth equity
Canadian Equity Growth securities. The fund may invest in global equity securities or other mutual funds. The fund may
invest up to 40% of the fund's assets in non-Canadian securities.
Sun GIF Solutions Sun Life MFS The fund’s investment objective is to seek income generation and capital appreciation through
Dividend Income exposure to primarily dividend or income paying securities, including royalty trust units, real-estate
investment trust units and limited partnership units and other exchange-listed participating
securities, by investing primarily in units of Sun Life MFS Dividend Income fund or its successor
fund (the "underlying trust fund").
Page 209 of 212

Fund name Objective
Sun GIF Solutions Sun Life MFS The fund's investment objective is to seek capital appreciation by investing primarily in equity
Global Growth securities of issuers located anywhere in the world that are considered to have above-average
earnings growth potential compared to other issuers.
Sun GIF Solutions Sun Life MFS The fund's investment objective is to seek total return by investing primarily in a mix of equity
Global Total Return securities and debt instruments of issuers located anywhere in the world.
Global Value securities of issuers located anywhere in the world that are considered to be undervalued
compared to their perceived worth.
International Growth securities of issuers outside of Canada and the U.S. that are considered to have above-average
earnings growth potential compared to other issuers.
International Value securities of issuers located outside of Canada and the U.S. that are considered to be undervalued
compared to their perceived worth.
Sun GIF Solutions Sun Life MFS The fund’s investment objective is to achieve long-term capital appreciation with low volatility by
Low Volatility Global Equity investing primarily in a diversified portfolio of equity securities of issuers located anywhere in the
world or indirectly by investing in mutual funds (including exchange-traded funds) that invest
primarily in such securities.
Sun GIF Solutions Sun Life MFS The fund’s investment objective is to seek long-term capital appreciation with low volatility by
Low Volatility International investing primarily in a diversified portfolio of equity securities of issuers outside Canada and the
Equity United States or indirectly by investing in mutual funds (including exchange-traded funds) that
primarily invest in such securities.
Sun GIF Solutions Sun Life MFS The fund's investment objective is to seek to provide a consistent level of regular income with
Monthly Income capital appreciation as a secondary objective over the long term, by investing primarily in income
producing equity and debt securities.
Sun GIF Solutions Sun Life MFS The fund aims for long-term capital growth by investing primarily in companies domiciled in the
US Equity United States or whose primary stock exchange listing is in the United States.
US Growth securities of issuers located in the United States that are considered to have above-average
earnings growth potential compared to other companies.
US Value securities of companies with large market capitalizations located in the United States that are
considered to be undervalued compared to their perceived worth.
Sun GIF Solutions Sun Life The fund's investment objective is to achieve a high level of current income while seeking to
Money Market protect capital and to maintain liquidity by investing primarily in Canadian dollar-denominated
money market instruments. The fund may invest up to 10% of the fund's assets in Canadian dollar-
denominated money market instruments of foreign issuers.
Sun GIF Solutions Sun Life The fund's investment objective is to seek to earn a high rate of income by investing primarily in
Multi-Strategy Bond fixed-income securities of Canadian government and corporate issuers. The fund may from time to
time invest up to 20% of the fund's portfolio in fixed-income securities of governments and
companies outside Canada.
Page 210 of 212

Fund name Objective
Sun GIF Solutions Sun Life The fund seeks to achieve income and capital appreciation by investing primarily in a diversified
NWQ Flexible Income portfolio of income producing securities.
Sun GIF Solutions Sun Life The fund seeks to achieve long-term capital appreciation primarily by investing in a diversified
Schroder Global Mid Cap portfolio of medium capitalization Global companies or indirectly by investing in mutual funds
(including exchange-traded funds) that invest in such securities.
Sun GIF Solutions Sun Life The fund’s investment objective is to seek to achieve long-term capital appreciation through
Sentry Value exposure to primarily equity securities of Canadian and U.S. companies by investing primarily in
units of Sun Life Sentry Value Fund or its successor fund (the "underlying trust fund"). The fund may
invest in U.S. and other foreign securities in an amount not exceeding 49% of the assets of the
underlying trust fund.
Sun GIF Solutions Sun Life The fund seeks to achieve long-term capital appreciation through exposure to primarily equity
Sionna Canadian Small Cap securities of small to medium capitalization Canadian companies by tracking the performance of
Equity the Sionna Canadian Small Cap Equity Fund or its successor fund (the “underlying trust fund”). In
seeking to track the performance of the underlying trust fund, the portfolio manager may invest
primarily in units of the underlying trust fund, or it may invest in securities, which may include
securities of other mutual funds (including exchange-traded funds), identical or substantially similar
to those in which the underlying trust fund invests.
Sun GIF Solutions Sun Life The fund seeks to achieve high current income and capital appreciation primarily by investing
Templeton Global Bond directly in fixed-income securities and preferred shares issued around the world or indirectly by
investing in mutual funds (including exchange-traded funds) that invest in such securities.
Sun GIF Solutions Sun Life The fund seeks to achieve consistent long-term capital appreciation primarily by investing directly
Trimark Canadian in common shares of Canadian companies or indirectly by investing in mutual funds (including
exchange-traded funds) that invest in such securities.
Sun GIF Solutions TD Canadian The fund seeks to earn a high rate of interest income primarily by investing directly in high-quality
Bond bonds and debentures issued principally by Canadian borrowers in Canadian dollars
Sun GIF Solutions TD Dividend The fund seeks to provide income and to a lesser extent capital appreciation, primarily by investing
Income directly in income producing securities
Sun GIF Solutions TD Real The fundamental investment objective is to provide a regular level of interest income that is
Return Bond hedged against inflation, by investing primarily in Canadian government guaranteed real return
bonds, as well as those issued by the governments of foreign countries.
Sun GIF Solutions Trimark Trimark Fund seeks to achieve strong capital growth with a high degree of reliability over the long
term. The Fund invests primarily in equities of companies anywhere in the world.
The fundamental investment objective of an Underlying Fund cannot be changed unless approved by the unitholders of the Underlying
Fund. If a change to the investment objectives of an Underlying Fund is approved by the unitholders of such Underlying Fund, we will
give you notice of such change and approval. We reserve the right to change any Underlying Fund.
Page 211 of 212

About the underlying mutual fund companies
All the information about the Underlying Funds, including their investment objectives and strategies, is based on information
provided by the mutual fund companies.
Mutual Fund Company:

Sun Life Global Investments (Canada) Inc.
150 King Street West, Suite 1400
Toronto, Ontario
M5H 1J9
CI Investments Inc.
2 Queen Street East, Twentieth Floor
Toronto, Ontario
M5C 3G7
Fidelity Investments Canada ULC

483 Bay Street, Suite 200
Toronto, Ontario
M5G 2H7
TD Asset Management Inc.

Toronto-Dominion Bank Tower, P.O. Box 100
Toronto, Ontario
M5K 1G8
Phillips, Hager & North Investment Management Ltd.

155 Wellington Street West, 21st Floor
Toronto, Ontario
M5V 3K7
Franklin Templeton Investments

5000 Yonge Street, Suite 900
Toronto, Ontario
M2N 0A7
Fiera Capital Corporation

1501 McGill College Avenue, Suite 800
Montreal, Quebec
H3A 3M8
Invesco
5140 Yonge Street, Suite 800
Toronto, Ontario
M2N 6X7
RBC Global Asset Management

P.O. Box 7500, Station A
Toronto, Ontario
M5W 1P9
Page 212 of 212

About Sun Life Financial
Founded in 1865, Sun Life Financial has helped Canadians manage and grow their assets for over 150 years .
FINANCIAL STRENGTH, INVESTMENT LEADING PRODUCTS

DISCIPLINED RISK MANAGEMENT MANAGEMENT EXPERTISE AND SERVICE
• International financial services • Investment funds from leading • Full suite of leading insurance and
provider with total assets under global portfolio managers investment products for individuals
management of $975 billion* and corporate customers
• Focus is on risk management through
• One of Canada’s oldest, most trusted experience, insight and innovation • Strong commitment to
financial institutions, recognized for service excellence
sustainability and proven, disciplined
risk management
* As of December 31, 2017 for the Sun Life Financial group of companies.
CONTACT INFORMATION:
Toll free English: 1-844-753-4437 (1-844-SLF-GIFS)
Toll free French: 1-844-374-1375 (1-844-FPG-1FSL)
Email: gifs@sunlife.com
Website: sunlifegifs.ca
Sun Life Assurance Company of Canada (“Sun Life”) is the issuer of the Sun Guaranteed Investment Fund (GIF) Solutions insurance
contract and the guarantor of the guarantee provisions.
Life’s brighter under the sun

Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies.
© Sun Life Assurance Company of Canada, 2018.
810-4400-06-18

Sun Life Assurance

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SUN GIF SOLUTIONS

Life’s brighter under the sun

Toll Free: 1-844-753-4437 (1-844-SLF-GIFS)

Management expense Net asset value per Number of units

How has the fund performed?

Average return (%)

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Average return (%)

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Average return (%)

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Average return (%)

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Average return (%)

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Average return (%)

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?

Management expense Net asset value per Number of units

How has the fund performed?

Who is this fund for? Are there any guarantees?

How much does it cost?

2. Ongoing fund expenses Guarantee series MER (%)

What if I change my mind?